Stop Bill Collectors from Calling

Image via  Inquisitr.com

Are bill collector calls driving you crazy? We can stop the calls now!

Do strange phone numbers call your mobile phone and home phone through all hours of the night? Are you getting letters from law firms threatening to garnish your wages, seize your bank accounts, repossess your car or put a lien on your house? Is the stress of unpaid bills affecting your family and work life? Want it to stop? We can help!

Bill collectors are relentless-they will stop at nothing. It is the job of the bill collector to make you upset, threaten you and never give up-all to get you to pay bills with money that you don’t have. Fortunately, there is a solution.

The U.S. Federal Bankruptcy Laws are designed to give you a fresh start. They can stop the bill collectors now. All you have to do is let us help you!

Once your creditors know that you have hired the Bankruptcy Law Clinic as your attorney, we will deal with the creditors directly and make sure the calls stop. Did you know that you can sue creditors if they call after they have been made aware that you hired an attorney? Under both Federal laws and the Florida Fair Debt Collection Practices Act, we will make sure they stop calling you! Really!!

After you file bankruptcy, it is illegal for bill collectors to continue any collection efforts. Once your Chapter 7 bankruptcy has been successfully completed, those debts are wiped out forever. No matter if you land a great new job or win the lottery, your old creditors can never come after you. It’s the fresh start you’ve have been waiting for and we can help you get it!

“Since I filed…I feel like a weight has been lifted off my shoulders”.

“You guys walked me through any problems I had. I would recommend you to anybody found in my situation”.

These are just a couple of quotes from some of our many clients that are now enjoying a debt free future.

The first step is easy. All you have to do is call us at 305-663-3281 to schedule your free initial consultation. We have an office near you. Come and enjoy a no obligation meeting that could be your first step to a bright future. Unlike many other law firms, we guarantee that you will meet with an attorney to discuss your unique situation and find the option that is best suited for you. We at the Bankruptcy Law Clinic are dedicated to find the solution for you and your family. Call (305) 663-3281 now.

Some of the more common bankrutpcy mistakes

Image via Webgeekph.com

1. Paying back Uncle Joey

Yes, I know he's the godfather to your children, but the law prohibits you from treating family better than your other creditors. In fact, a bankruptcy trustee can reclaim (go after) any amount repaid to a family member within one year of filing bankruptcy. [c1]

2. The credit card run up mistake

Running up your cards once you decide to file...Charges for luxury goods and services owed to a single creditor, totaling to more than $500 within 90 days of filing, are usally not covered under a bankruptcy and you will have to pay them. Ditto on cash advances totaling more than $750 for all creditors within70 days of filing. Don't jeopardize your fresh start by running up your credit cards.

3. Using retirement $$$ to pay debts

You worked hard to save in that 401k don't drain their retirement accounts in a futile attempt to pay down credit card debt! Retirement accounts are generally protected (you get to keep them) when you file bankruptcy.

Rebuilding Your Credit

Rebuilding your credit after bankruptcy can be both a financial and emotional experience. You will feel a great deal of relief once you get your bankruptcy discharge—it’s the fresh start you deserve!

Once your bankruptcy has been discharged; rebuilding your credit begins immediately. After the bankruptcy, be sure and pay any continuing obligations, such as a car payment or rent on time. Being on time on each of your commitments is the surest way to raise your credit score as quickly as possible. 

Within three months of your case being completed you should apply for a new credit card. Either approach your bank or apply on www.creditcards.com for a low limit MasterCard or Visa. Expect to pay a hefty annual fee, but it is worth it. You will immediately raise your credit score if you make your payments on time and pay in full. Be smart, use the cards for purchases you need, not just want and make sure to set the money aside in advance to be able to pay the bill. Remember, the card is not just a “credit card” it is a credit TOOL.

After a few months with the low balance card, you will be solicited for other credit cards with higher limits and lower annual fees. You should accept one of these cards, but please be smart. Don’t use the cards for items you can’t afford. Remember, this is a tool to rebuild your credit. You should have the money available to for each purchase you make. Don’t let the credit card company charge you interest, pay each bill in full and always on time.

After a few months with the second credit card, your score should be climbing to the mid-600’s. This is when you can consider using newly strengthened credit to purchase bigger ticket items, such as a car. Speak with a lender before you go to the dealership. Know how much credit you have and how much of a down payment will be necessary. Remember, this too is a tool to rebuild your credit.

This simple plan is a 18-month post bankruptcy credit repair program. I have had thousands of clients succeed using these steps. A 700 credit score is between 1 ½ to 2 years away for most of my bankruptcy clients. Get started by eliminating your debt and eliminating your stress. Bankruptcy is the ultimate financial stress reliever.

To learn more how to rebuild your credit post bankruptcy, or to learn how filing bankruptcy can let you improve your credit score quickly, call (305) 663-3281 now.