Mark T. Young & Associates
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Don't let creditors take advantage of you

When Tennessee residents are living with overwhelming debt they can feel like their backs are up against a wall. Creditors might be constantly calling trying to collect a debt. The debtors may deal with embarrassing credit card declines, calls at work or even wage garnishment. These actions can make people feel like it is impossible to get ahead of the debt or have any financial freedom.

Tennessee residents who are living with this type of situation need to know that there could be help available. As recent posts here have explained, there are laws that protect against creditor harassment. People living with credit card debt have the right to be treated fairly by collection agencies. This includes limiting the number of calls a person gets and the tactics that can be used to collect the debt.

Additionally, by filing for bankruptcy people can get additional protections. When a person files for bankruptcy, an automatic stay goes into effect. This automatic stay prevents all creditors from collecting debts. This immediately stops harassing and embarrassing calls and other collection efforts. This can result in immediate stress relief for the person.

It is not, however, always easy to make creditors abide by these rules. Our law firm has the ability to attempt to ensure that creditors play fairly and do not abuse consumer protection laws. Our firm works hard on our clients' behalf to end harassment and obtain debt relief. If, for example, a creditor contacts a person in violation of the automatic stay, the person may be entitled to compensation.

Bankruptcy is not always an easy process. We can handle the legal details so that people can focus on their new financial freedom. For more information about how to end creditor harassment, please see our website.

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Mark T. Young & Associates
2895 Northpoint Blvd.
Hixson, TN 37343

Toll Free: 888-376-0282
Phone: 423-933-1606
Fax: 423-877-0363
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