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Tennessee bankruptcy: Fighting creditor harassment

People who are in debt already feel a massive weight on their shoulders. No one wants to carry debt and no one wants to struggle financially, but due to life challenges it just happens. When it does, creditor harassment can make the whole situation worse. Through bankruptcy or other legal means, Tennessee residents can fight creditor harassment.

It was recently reported that a man in another state is taking legal action against one of his creditors. He claims that despite asking the debt collection agency to stop calling him, the firm continued to contact him repeatedly in an effort to collect a Verizon wireless debt — a debt which he disputed. In his complaint, this individual stated that the calls are disruptive and have reached the level of harassment. He is seeking unspecified damages.

According to the Fair Debt Collection Practices Act, creditors are only allowed to go so far when trying to collect money owed them. Consumers have the right to dispute the debt. They also have the right to tell creditors to stop contacting them. If such a request is made and the credit agency fails to comply, they are in violation of the FDCPA.

A bankruptcy filing can stop creditor harassment in its tracks. As soon as a bankruptcy petition is filed, creditors have to stop all attempts to collect. Of course, bankruptcy is not the answer in every case. Tennessee residents who believe that their creditors are violating FDCPA standards can take legal action in an effort to seek damages. Legal counsel can help one determine the right course of action for the situation at hand.