Mark T. Young & Associates
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Are debt collectors and creditors harassing your family?

An overwhelming burden of debt is stressful. You are behind, interest is accumulating and you do not know if you can ever catch up. Whether you owe thousands on credit cards or you are behind on your mortgage, your financial situation is already difficult enough, yet creditors and debt collectors can make it worse.

If creditor harassment is taking over your life and making things difficult for you and your Tennessee family, there are things that you can do to make it stop. When you file for bankruptcy, the automatic stay will go into effect, halting all creditor contact and adding a measure of peace back to your life.

Common practices used by debt collectors

Creditor harassment can come in many different forms. In some cases, all it takes is one missed payment to find yourself at the receiving end of phone calls, letters and other attempts to collect debts. Creditor contact may include some of the following:

  • Repetitious phone calls
  • Texts or emails
  • Contact at work unless told to stop
  • Collections letters
  • Subtle threats about what could happen if you do not pay
  • Hints that they could release your private information

In some unfortunate cases, debt collectors push their efforts over the line, using inappropriate language, threatening violence and other inappropriate means. No matter what type of harassment you are facing over your debt, you have the right to take action and protect your financial future.

The automatic stay

Immediately upon filing for bankruptcy, the automatic stay will go into effect. This is intended to stop all contact from creditors, whether it is written, verbal or another kind. While under the protection of bankruptcy, the applicant will have the ability to discharge or pay off consolidated balances, depending on whether he or she filed for Chapter 7 or Chapter 13.

The automatic stay is just one of the many benefits of filing for bankruptcy. Once you know that creditors cannot contact you, you will have more peace of mind as you walk through the bankruptcy process and follow all the requirements.

Bankruptcy can help you deal with your debt

Dealing with debt can be incredibly frustrating because it can seem impossible to ever find a way out. Bankruptcy can not only help you deal with the debt collectors who are making your life miserable, it actually offers an effective and organized way by which you can deal with your debt once and for all, securing a strong financial future for you and your family.

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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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