510 Creditor Calls to One Family in Two Months? Floridians, Make it Stop!

One Hillsborough County, Florida family reported receiving 510 collection calls from HSBC in two months, an average of about 8 calls per day. A Pasco County, Florida family received similar attention from HSBC, who placed collection calls to them over 1000 times in a six month period.

This is creditor harassment. Some consumers are fighting back, filing lawsuits against companies using harassing tactics to collect a debt, but those lawsuits do not address the reason for the calls: unpaid debt. Collection calls to your home, to your work and to your cell can be stopped. Collection lawsuits, garnishment, repossession and foreclosure can all be stopped.

While some people may be receiving collection calls on just one debt, many people throughout the Tampa Bay area are struggling to pay multiple bills and are receiving collection calls from more than one creditor. Through bankruptcy, you can put an end to the collection calls and creditor harassment while at the same time putting an end to the debt.

Bankruptcy and the Automatic Stay

If you’re dealing with debt and are struggling to find ways to make ends meet each month, bankruptcy may be right for you. If you’ve lost your job, suffered a major medical event, gone through divorce or just otherwise cannot pay your bills, a Chapter 7 or Chapter 13 bankruptcy may be just the help you need to get back on sound financial footing.

One of the main benefits of a Florida bankruptcy filing, other than the fresh financial start, is the ‘automatic stay.’ Once a bankruptcy case is filed, the automatic stay goes into place and creditors must immediately stop contacting you to collect on the debt. That includes phone calls, emails, mailed notices, lawsuit filings, garnishment actions, repossessions and even foreclosure. All collection actions must stop.

The automatic stay, available only through bankruptcy, is the most efficient and effective way to stop creditor harassment and get out from underneath your debt.

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