What do I do if creditors keep calling?

Unfortunately, many people experience the nightmarish scenario of creditors calling and the phone ringing nonstop- from 9 a.m. to dinnertime. Then, after dinner, the calls continue until you finally take the phone off the hook so you can sleep. The next day, it begins again. At Blalock Law Offices, P.A., we know that living life under these circumstances is nearly impossible. We are committed to handling aggressive creditors and stopping the harassment so you can get back to your life.

We stop creditor calls and recover damages

The most immediate benefit of hiring a law firm is that the lawyer becomes your representative, and following notice, all collection attempts must go through the attorney. If the creditors still do not cease their calls, I can take additional measures under the Fair Debt Collection Practices Act (FDCPA). The FDCPA is a federal law that sets forth acceptable collection behavior by debt collectors. It prohibits creditors from:

  • Calling you at work after being notified that you are not permitted to receive personal calls
  • Calling at unreasonable hours
  • Calling you repeatedly
  • Using obscene or derogatory language
  • Contacting your employer about your debt
  • Contacting your neighbors about your debt
  • Threatening to come to your home and take your property

While this is not a complete list, creditors who continue to do these prohibited acts are liable for damages to you. The damages can include any consequential damages, attorney fees and a $1,000 penalty provided for by the FDCPA. An Asheboro lawyer can assist you in stopping creditor calls and collecting damages.

Using bankruptcy to make creditor collection attempts cease in Asheboro

Declaring bankruptcy by filing for Chapter 7 or filing for Chapter 13 is another means of stopping collection attempts and the most effective means of stopping wage garnishment. When you declare bankruptcy, the automatic stay immediately goes into effect. The automatic stay prohibits creditors from making further collection attempts and, at least temporarily, stops wage garnishment. If the debt that resulted in your wage garnishment is completely discharged, or eliminated, by the bankruptcy proceeding, the garnishment is gone forever. However, garnishment can be reinstated for certain debts not wiped out in bankruptcy, such as child support obligations and back-taxes, after the automatic stay lapses. That does not mean that the process was worthless. Whether you made use of liquidation or a payment plan, you likely have reduced your debt burden so you can more easily pay down the nondischargeable debts. Bankruptcy and its effects on wage garnishment can be confusing, so we developed a bankruptcy FAQ page to help North Carolinians better understand the process.

Contact us to stop creditor harassment

As a former creditors’ attorney I know the dirty tricks creditors use and their effect on hardworking North Carolinians. If a creditor is harassing you or your wages are being garnished, contact us today at (336) 274-2343 or online.


Office Location

620 Green Valley Road
Suite 209
Greensboro, North Carolina 27408

Phone: (336) 274-2343
Fax: (336) 235-0652