Creditors are notorious for harassing borrowers who miss payments. As such, if you have accumulated a significant amount of debt and you’re behind on making the minimum payments, you are probably receiving phone calls, letters, and emails on a daily basis. This constant reminder of your unstable financial situation can be incredibly stressful, to say the least. Fortunately, Harry B Zornow will help. As a seasoned bankruptcy attorney in Hamilton, OH, he has more than 30 years of experience helping clients explore their various options regarding debt relief and stopping creditor harassment for good.

How Can a Bankruptcy Attorney Stop Creditor Harassment?

The Automatic Stay

When you file for bankruptcy, the court implements an automatic stay, which is an injunction that prevents creditors from contacting you regarding payment. In most cases, the stay requires creditors to stop taking action against you to collect, assess, or recover their claims against you.

Why You Need an Attorney

All your creditors should require notification of the automatic stay after you file for bankruptcy; however, not all of them will necessarily respect it. When a lender violates the terms of the automatic stay and you continue to suffer from creditor harassment, your bankruptcy attorney will step in. If a creditor calls you regarding payment after you have filed, simply inform them of your bankruptcy status and then refer them to your attorney, who will handle all future contact. When creditors willfully violate the automatic stay, you have the right to recover actual damages and, in some circumstances, punitive damages, as well.

If you are drowning in an overwhelming amount of debt and you want your creditors to stop harassing you, turn to Harry B Zornow in Hamilton, OH. He provides compassionate legal counsel to clients who are struggling to make ends meet. You can learn more about his experience in bankruptcy law by browsing his website. To schedule an initial consultation and stop the creditor harassment once and for all, call (513) 737-9770 today.