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What constitutes debt collector harassment?

When you find yourself in a dire financial situation, one of the most stressful daily occurrences is the phone calls from collectors. The phone ringing is a reminder that you have fallen into an abyss of debts. This could be due to an injury that put you out of work for an extended period, or a special circumstance that took every penny that you had out of savings. Whatever the reason may be, you, as well as many others in the state of Pennsylvania file bankruptcy each year with the hope of starting anew.

If you qualify to file for bankruptcy, chapter 7 or chapter 13, all debt collectors must stop calling your household. This is in accordance with the Fair Debt Collections Practices Act, which outlines guidelines to protect you from harassment and abuse. Unfair or deceptive debt collection practices are unlawful and subject to penalization.

Having to file for bankruptcy can feel like you have failed or bring up other negative feelings. You do not need to be reminded of your debts by careless collection agencies who are only out to make a buck themselves. If you have experienced name calling, excessive or repeated calls that come multiple times per week or even per day, disclosure of your debts to a third party member or any contact after you have sent a cease letter, you might be eligible to file a case.

Close to one million people file for bankruptcy each year in the United States. It can give you the opportunity that you need to see the light at the end of your financial tunnel. If you would like more information, speaking to an experienced attorney might be beneficial.

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