For many individuals and families in Fayetteville and others throughout Cumberland County in North Carolina, substantial debt and other financial challenges can quickly go from being a nuisance to a seemingly insurmountable problem.
Stop Foreclosure And Creditor Harassment
At Smith, Dickey & Dempster P.A., our lawyers are committed to helping victims stop creditor harassment. Creditors calling your home and work can cause unbearable stress. We will fight for you and help you explore all options to stop the harassment and to help you find a better financial future.
Debt Collection Harassment Is Illegal
The Fair Debt Collection Practices Act prohibits creditors and debt collection companies from using illegal behaviors to try to collect unpaid debt. Illegal behaviors include harassment, threats and even calling debtors too early or too late in the day is illegal.
What is considered creditor harassment? Here are some of the most common ways creditors harass debtors:
- Calling debtors all the time and using abusive or harassing behaviors
- Using profane or obscene language
- Making threats against debtors
- Failing to tell debtors that they are creditors
- Disclosing personal information about debtors to third parties
- Lying about debt owed
- Making threats to have the debtor arrested
You do not have to put up with harassment any longer. Our local law firm in Fayetteville has helped people in Cumberland County and throughout North Carolina stop harassment and explore their bankruptcy options.
Our Experience Helps Us Protect You
Our legal team of former district attorneys and a former district court judge gives us unique insight into the legal proceedings involved in taking action against creditors. We are not afraid to go to court and fight to help you.
We will put a stop to creditor harassment and help you understand your options regarding debt relief. We provide personal attention and honest advice about your situation so you can make an informed decision that is best for you and your family.
Is Foreclosure Being Threatened?
Chapter 13 bankruptcy will stop all debt collection, including foreclosure actions, once you file for bankruptcy protection. In addition to stopping foreclosure, Chapter 13 bankruptcy will help you create a repayment plan that helps pay off your debt and can even result in your debt being discharged after five years.
Learn About Your Options
We provide tailored solutions to help you find a better future. Learn more about how we can help you by arranging a free consultation with our lawyers. Call or contact us online. We are available 24/7 and offer Saturday appointments.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.