In some cases, a consumer protection attorney may assist clients in filing for bankruptcy protection. While you can consumer rights attorney file complaints about violations of consumer protection laws, it could take months or years to settle your claim, and there is no guarantee you will win.
If a creditor is harassing you, you can stop the harassment contacting a consumer protection attorney to file a Chapter 7 or Chapter 13 bankruptcy case.
When you file for debt relief under Chapter 7, the automatic stay is in effect immediately of your bankruptcy petition. The automatic stay prohibits a creditor from taking any further actions to collect a debt.
Actions that the bankruptcy stay prohibits include:
Calling a debtor to collect a debt
Sending letters or other correspondence demanding payment
Repossessions
Foreclosures
Debt collection lawsuits
The decision to hire a consumer protection attorney or seek bankruptcy relief can be difficult. A consumer protection attorney can provide experienced legal advice about your rights. But, if you don’t have the money to hire a consumer protection attorney, you might want to consider filing a Chapter 7 bankruptcy case without an attorney.
Filing a Chapter 7 bankruptcy case may not punish creditors for violating your rights, but it can stop creditor harassment and other collection efforts. By stopping collection efforts, you can reduce the stress caused by debt problems and begin your journey on the road to financial freedom.
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