If you’re being harassed by debt collectors, you don’t have to face it alone. Both California law and the federal Fair Debt Collection Practices Act (FDCPA) strictly limit what creditors can do when trying to collect a debt. Unfortunately, many still cross the line — calling excessively, making threats, or embarrassing you at home or work.
At our Sacramento bankruptcy law firm, we help individuals and families stop creditor harassment immediately and take back control of their financial future.
The FDCPA makes it illegal for creditors or collection agencies to:
If you’re dealing with any of these tactics, our Sacramento bankruptcy attorneys can help you put an end to it.
When you file Chapter 7 or Chapter 13 bankruptcy, an automatic stay goes into effect the moment your case is filed. This federal court order stops all collection activity, including:
From the day you retain an attorney, creditors are legally required to stop contacting you directly. If they call, you can simply give them your attorney’s information.
For business owners, filing Chapter 11 bankruptcy also puts a halt to lawsuits and collection actions while you restructure your debts.
Bankruptcy isn’t just about wiping out debt — it’s about creating a path to financial stability and peace of mind. Our bankruptcy attorneys take the time to review your entire financial situation and help you choose the best option for your goals, whether that means Chapter 7, Chapter 13, or another debt relief solution.
With attorneys serving Northern California, we proudly assist clients throughout Sacramento County, El Dorado County, and Placer County. Let our team help you stop creditor harassment today and start rebuilding your financial future — free from stress, fear, and constant collection calls.
Don’t let creditor harassment continue another day. Contact aSacramento bankruptcy attorney to schedule a confidential consultation. Understand your rights, stop the calls, and move toward lasting financial relief.