Three ways to handle calls from creditors (and when to contact a bankruptcy attorney)

The phone rings. It’s a number you don’t recognize. You don’t want to answer it because you think it might be creditors. What do you do? Should you contact a bankruptcy attorney?

If your phone is ringing and its creditors on the line, it’s not always clear what steps to take. Do you need to contact a bankruptcy attorney or can you handle this on your own?

If you are dealing with calls from creditors and wondering if a bankruptcy attorney can help you, here are three things to consider. Read on:

Your rights

Under the Federal Fair Debt Collection Practices Act, you can ask creditors not to call you and they have to comply. However, you have to make this request in writing, otherwise it is not effective. You can also ask for evidence or documents in support of  the  obligation that you owe but again, you have to make this request in writing.

A good bankruptcy attorney can walk you through this process and help you get the verification you need.

Personal information

Under no circumstance should you ever give any personal information to a creditor. It’s not necessary and you don’t have to negotiate with them – or even talk to them! A bankruptcy attorney can help you figure out what your next steps should be, including helping you decide if you can afford to pay off your debts or if you need to file bankruptcy.

Can’t pay

If you know you can’t pay your debts and you are in trouble, don’t hesitate: Call a bankruptcy attorney right away. If you have tried to find a solution, and you can’t find a resolution, it’s time for professional help.

The bottom line is, while some people can handle these types of situations without a bankruptcy attorney, it’s generally not a good idea for most folks. Each case is different and bankruptcy law is complex. If you don’t think you can handle the situation on your own, or you are facing multiple creditors or garnishments, it’s time for professional help.

The system is complex and there are strict timeframes to follow. Hire a bankruptcy attorney so someone is on your side – fighting for your rights.

Mina Nami Khorrami LLC

If you have questions or concerns about filing bankruptcy, the legal experts at Mina Nami Khorrami LLC can help. Contact us today at 614-857-9590.