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Whether you are
personally being called by debt collectors or the company that you
own is, it is not usually a pleasant experience to say the least.
Some collection agencies abide by the Fair Debt Collection Practices
Act or FDCPA
as it is commonly called,
and others do not.
The
FDCPA was created by Congress in 1977 to deter abusive debt
collection practices and the FTC or Federal Trade Commission
regulates the compliance of it to ensure that the consumer is not
being abused or taken advantage of under the act. Of course, the
FDCPA only covers debts that are of a personal, family or household
nature and not those of a commercial nature. Commercial collectors
have to be careful too because there are plenty of civil laws that
they must be aware of in order to conduct themselves on a
professional basis.
The Altman Bankruptcy Firm can stop the harassing calls you may be
receiving from both 3rd party collectors and your creditors. We can
also stop garnishments, foreclosures, repossessions and bank account
seizures through an order of protection referred to as an automatic
stay given by the bankruptcy court once we file your petition.
Everyone
goes through financial hardships over the course of their lives.
Some worse than others. No one ever means to get into a financial
bind. It just happens over time through a series of perhaps
unadvisable financial decisions or it can be from illness, taxes,
unemployment or a slew of other things. Sometimes you have to take a
step back to advance forward. Bankruptcy has its place and the good
news is that it can change your life in a positive manner so long as
you learn from it and make sound financial decisions in the
future.
We
stand ready to help you find a new path to a brighter financial
future. Get a free phone consultation with one of our attorneys to
find out if you qualify to file bankruptcy through the Means Test.
Not everyone does but those who really need to file bankruptcy
usually qualify. Discover your options by talking with a competent
bankruptcy attorney at The Altman Bankruptcy Firm. We will
treat you with the utmost respect and dignity because we know what
you are going through and we only wish to help you find your way to
a better life. Fill out our simple
inquiry form
and get started today!
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