Morristown Creditor Harassment Attorneys
Protecting Clients in Morris County and Beyond from Creditor Harassment
Bill collectors are relentless, and some of the tactics they employ amount to harassment and abuse. While the Fair Debt Collection Practices Act (FDCPA) places restrictions on the activities of companies that pursue delinquent debts, some creditors and debt collectors ignore the rules, skirt the law, and violate your rights.
Do you need help with creditor harassment? Contact us today by calling (973) 363-2260 to learn more about how we can help you!
Are You a Victim of Creditor Harassment in Morristown?
If you have overdue payments or outstanding debts, you are likely inundated with calls from collection agencies hounding you for payments. Some credit collection firms push the legal boundaries to get a debtor to pay up.
Under federal law, it is illegal for creditors to engage in any of the following acts:
- Provide false information about the amount you owe
- Falsely claim to be an attorney
- Falsely claim they will have you arrested
- Contact third parties and reveal private information about your debt
- Call you repeatedly
- Harass or abuse you, threaten you with harm, or use obscene language
- Publicize your identity
Why Choose Ast & Schmidt, P.C.?
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Personalized Services Tailored for You
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Over 25 Years of Bankruptcy Experience
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Free Initial Consultations
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Available After Hours by Appointment
Stop Creditor Harassment with Help from Our Firm
At Ast & Schmidt, P.C. in Morristown, we offer legal support to people who are victims of creditor harassment. If a creditor has violated federal law and engaged in illegal actions, we can help you file a complaint or lawsuit, potentially securing substantial compensation to cover financial damages and legal fees.
Filing Bankruptcy in Morris County: End Creditor Calls, Letters, and Lawsuits
Another option you have to end harassment is filing for Chapter 7 or Chapter 13 bankruptcy. Bankruptcy initiates an automatic stay that puts an immediate end to all collection activities. Bill collectors will no longer be able to contact you by phone or send you threatening letters or emails. Even wage garnishment, lawsuits, evictions, and foreclosure proceedings are put on hold. And, once your bankruptcy petition is filed, your creditors will be ordered to direct all further correspondence concerning your debts to your lawyers.
Filing for bankruptcy can bring you relief from vehicle repossession, the threat of foreclosure, and constant calls to your home or work. Our bankruptcy lawyers at Ast & Schmidt, P.C. have decades of experience ending creditor harassment. If appropriate, we can help you file Chapter 7 or Chapter 13 bankruptcy.
Once your case is filed, you can expect:
- An immediate automatic stay
- Prevention of further financial harm while your case is pending
- Legal penalties for debt collection companies that ignore the automatic stay
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"..Thank you Ast and Schmidt for all that you do!"
I have personally used Ast & Schmidt and have recommended them to friends and family members as well. Robert and Antoinette are always responsive, timely, and available to go over any questions or concerns I might have in what could be an otherwise stressful process. I can confidently say that I 100 percent trust Robert's guidance and quality of work. He and the staff go above and beyond to make sure I understand all of my options as well as the process from beginning to end. Antoinette always makes me feel comfortable when I call with questions and Robert's guidance and services have truly been a blessing in helping me transition out of some rough times so that I could move forward in my personal and professional endeavors. I can not recommend this firm highly enough. You will be well taken care of. Thank you Ast and Schmidt for all that you do!- Rena Z. -
"Throughout our experience with Ast & Schmidt, my husband and I were treated with the utmost respect and compassion."
Throughout our experience with Ast & Schmidt, my husband and I were treated with the utmost respect and compassion. Whenever there was a question (even during COVID), Rob Schmidt was most accessible and helpful to us during this difficult time. We would recommend them to anybody who is undergoing financial challenges. Everyone associated with the company is attentive and a pleasure to deal with, even regarding the most trivial matters. Certainly, when addressing the complicated issues that arise during legal proceedings, Ast & Schmidt provides seamless and impeccable attention to every detail.- Iris G.
Connect with Us As Soon As Possible
Speaking with an experienced debt relief attorney in Morristown is the first step to a brighter financial future. We are ready to help you gain invaluable freedom from creditor calls, letters, and lawsuits.
To find out more about filing for bankruptcy or ending creditor harassment, contact us at (973) 363-2260 today.