Creditor Harassment

Fayetteville Creditor Harassment Attorneys

Comprehensive Representation for Debtors Across Northwest Arkansas

Are you behind on credit card payments, mortgage payments, medical bills, and more? If you’ve been struggling with debt for months or years, there may come a point when collection agencies or creditors are calling you every day, threatening you with lawsuits, or initiating foreclosure or repossession.

Our debt collection defense team at Martin Attorneys is deeply committed to providing top-tier counsel and representation for clients throughout Fayetteville and the surrounding areas. There are a few different ways to handle debt collection, and our attorneys can closely assess your situation to determine what relief is available to you—and how you can achieve it.

Don’t endure aggressive debt collection on your own. Call (479) 888-2039 or contact us online to schedule your free initial consultation with our Fayetteville creditor harassment lawyer.

Can Bankruptcy Stop Creditor Harassment?

Many people avoid bankruptcy at all costs, believing it will simply worsen their situation and leave them with nothing to their name. However, bankruptcy comes with several powerful benefits, not the least of which is the automatic stay.

The automatic stay is a court order issued as soon as you file bankruptcy. For the duration of your bankruptcy case, the automatic stay protects you from all kinds of collection actions, including:

Calls, texts, and letters
Lawsuits
Bank levies
Wage garnishment
Foreclosure
Repossession

To sidestep the automatic stay, a creditor or collection agency would need to obtain approval from the court—and the court frequently denies these motions. If a creditor or collection agency violates the automatic stay, you will have legal recourse, meaning we can take them to court and potentially secure compensation on your behalf.

Bankruptcy can provide long-term relief, as well. If all goes according to plan, you should benefit from a debt discharge, which permanently eliminates your liability for qualifying debts. Once a debt is discharged, the creditor or collection agency is prohibited from attempting to collect it in any way.

Creditor Harassment Lawsuit Counsel

Automatic stay violations aren’t the only ways a collection agency or creditor can find themselves in court. A host of state and federal consumer protection laws prevent collection agencies from abusing you, deceiving you, or treating you unfairly in any other way.

Under the Fair Debt Collection Practices Act, for example, a collector cannot:

Misrepresent themselves (e.g. pretend to be a government official or police officer)
Lie about what you owe or what will happen to you if you don’t pay
Use profane or abusive language
Threaten you with violence
Publicize information about your debt
Call you after 9pm or before 8am
Call you at your place of work if they have been told not to call you there
Call you repeatedly in a way that is intended to harass you

Our Fayetteville bankruptcy attorneys are passionate about defending clients against these unacceptable practices. If you believe a debt collector has violated your rights, we are ready to listen to your experience and implement the best possible course of action.

Verification of Your Debt

In some cases, debt collectors will attempt to collect debt that you are not legally obligated to pay. This is why verifying your debt is one of the most important things you can do when faced with aggressive collection actions.

You might not be legally obligated to pay a debt because:

It’s the wrong amount
A bankruptcy court discharged it
It’s time-barred (past the statute of limitations)
You never owed it to begin with

Debt collection agencies often buy debt for pennies on the dollar from original creditors, and the paperwork doesn’t always transfer properly. Sometimes, a lawsuit can fall through simply because the debt collector cannot produce proof that you owe the debt.

When you bring your case to Martin Attorneys in Fayetteville , you can trust we will do everything in our professional power to defend you against debt collection and help you achieve the financial freedom you deserve. With 30+ years of experience, we are fully equipped to develop a high-powered legal strategy on your behalf.

Give us a call at (479) 888-2039 or contact us online today. We can answer all your questions during your free case consultation.

Continue Reading Read Less

Contact Us

Schedule Your Free First Visit

First Name
Please enter your first name.
Last Name
Please enter your last name.
Phone
Please enter your phone number.

This isn't a valid phone number.
Email
Please enter your email address.

This isn't a valid email address.
Are you a new client?
Please make a selection.
How can we help you?
Please enter a message.
By submitting, you agree to receive text messages from Martin Attorneys, PA at the number provided, including those related to your inquiry, follow-ups, and review requests, via automated technology. Consent is not a condition of purchase. Msg & data rates may apply. Msg frequency may vary. Reply STOP to cancel or HELP for assistance. Acceptable Use Policy

"He also did a fantastic job at coaching me through some of the possible situations I would face in the courtroom leaving me feeling confident."
I had a case earlier last month. Stephen was wonderful! He was able to support me properly and efficiently. He also did a fantastic job at coaching me through some of the possible situations I would face in the courtroom leaving me feeling confident. Stephen obviously knows what he is doing. I highly recommend him to anyone in the future.
"Shea was the first attorney to listen to me thoroughly, take me seriously, show compassion, and speak honestly with me about my case."
I am so thankful that attorneys like Shea Crosby exist! Admittedly, I didn't know what I needed or wanted prior to my initial consultation with Shea. I had met or spoke with several other lawyers before meeting her. Each and every time I left feeling defeated, insignificant, or like a dollar sign. Shea was the first attorney to listen to me thoroughly, take me seriously, show compassion, and speak honestly with me about my case. Her level of professionalism continued throughout the entirety of my case, which lasted just shy of ten months. Shea was always easily accessible through text, email, and phone calls. She fought for me, and my family, and she believed in me, even at times when others didn't. At the end of the day, Shea helped me negotiate an agreement which provided me and my family the relief and protections we NEEDED, and WANTED. I am so very grateful for her. It's not often one is sad when their legal proceedings have ended (when they've "won"). But that is exactly how I felt. Shea was my advisor, advocate, and by time it was over, I also considered her a friend. Her real world experience made her not only relatable, but often times my confidant. I highly recommend Shea Crosby to anyone needing a family law attorney.
"Because of him and the other attorneys, she won her case! I would recommend them to everyone I know."
Martin Attorneys has helped me with several cases--medical malpractice and estate planning. And just recently Stephen Fisher helped my granddaughter with a very tough case. Because of him and the other attorneys, she won her case! I would recommend them to everyone I know.
"They handled the business at hand and kept me informed along the way. Highly highly recommended to anyone."
This office was beyond friendly, extremely diligent, and most importantly kind. They did not nickel and dime me to death. They handled the business at hand and kept me informed along the way. Highly highly recommended to anyone they have so many areas of expertise.
"I can't thank them enough for helping my family and I get through the tough times we went through."
They were very helpful and extremely nice. I can't thank them enough for helping my family and I get through the tough times we went through. The staff was very welcoming and understanding, I really recommend their help if anyone is looking for good lawyers!
"This was my first and only time to file for bankruptcy so I was completely unsure of the process and frankly, I was a little scared. When all was said and done, it was not so scary."
They made a very unpleasant experience not so unpleasant. They kept me informed and weren't condescending if I didn't respond in a timely manner do to circumstances beyond my control, and it was over before I thought it would be. At age 56 this was my first and only time to file for bankruptcy so I was completely unsure of the process and frankly, I was a little scared. When all was said and done, it was not so scary.
"Very glad we went in to see them."
They will definitely take good care of you. They are there for you not just the money. Very glad we went in to see them.
"They made this whole legal process simple and easy to understand. Their staff was awesome and very friendly."
They are great lawyers that really care about helping you. I went and saw them for a couple of matters that I was having trouble with and they helped me out in a very professional manner. They made this whole legal process simple and easy to understand. Their staff was awesome and very friendly. Overall I would definitely recommend them to my friends.

View All Reviews

Ready to Make a Payment?

Now accepting secure online payments.

Pay Now