If you are contemplating filing bankruptcy in New York, it is likely because one of your current stressors is constant communication from creditors. This is certainly quite common for individuals who are thinking about the benefits of bankruptcy. There are things that creditors can do to cross the line and break the law with regard to your rights.
If you believe that a creditor has taken things too far, then you need to collect evidence so that you can file a complaint about this particular creditor and get the behavior to stop. Once you file for bankruptcy, it becomes even more important if a creditor is attempting to harass you. First of all, keep track of the date and time as well as the phone numbers that the company uses to contact you.
If they are contacting you repeatedly at work after your request not to be contacted there, or contacting you outside of normal times such as the middle of the night, then you may have grounds for a complaint against the creditor. If anyone over the phone has made threatening statements to you, you will also want to make note of this as well as the individual with whom you speak.
This information could become very important if you decide to move forward with filing a claim against any creditor who appears to have broken the law. Do not hesitate to consult with a New York bankruptcy attorney if you believe that your rights have been violated or if you have questions about filing for bankruptcy. Jayson Lutzky is a Bronx, NY bankruptcy lawyer. If it does not seem possible to pay your bills or you are having difficulty paying your mortgage, then speak to Mr. Lutzky about bankruptcy. During a free in-person consultation, he can help you decide what is the best way to move forward financially. Call 718-514-6619 to set up an appointment or visit www.MyNewYorkCityLawyer.com to learn more about Jayson Lutzky, P.C.