Cincinnati Creditor Harassment Lawyer

Protecting Your Rights Against Creditor Harassment

Creditors are legally allowed to contact you to collect on a debt, but they must follow strict guidelines about when and how they approach you. If you file bankruptcy, they must stop contacting you altogether. If they do not, you are entitled to obtain additional damages – a skilled bankruptcy lawyer can help you.

Dealing with overwhelming debt is stressful enough — but when creditors cross the line into harassment, it can feel unbearable. If you’re being constantly hounded by collection agencies, threatened with lawsuits, or subjected to aggressive tactics, you need to know that you have rights. A skilled bankruptcy lawyer can not only help you find relief through legal debt solutions, but also put an immediate stop to creditor harassment.

Under the Fair Debt Collection Practices Act (FDCPA), debt collectors are prohibited from using abusive, unfair, or deceptive practices to collect from you. This includes things like calling you repeatedly, using threatening language, contacting you at inappropriate times (like before 8 a.m. or after 9 p.m.), or discussing your debt with family, friends, or your employer. If you’re receiving harassing phone calls or letters, your attorney can notify these creditors to cease communication — and in some cases, you may even be entitled to damages for violations.

Filing for bankruptcy offers an added layer of protection. As soon as your lawyer files your case, an automatic stay goes into effect. This powerful legal order immediately stops most collection actions — including phone calls, wage garnishments, lawsuits, and foreclosure proceedings. Creditors who violate the automatic stay can face serious penalties.

At Herzner Law, we understand the emotional and financial toll of creditor harassment. We’re here to listen without judgment and offer strategic guidance tailored to your situation. Whether Chapter 7 bankruptcy is right for you, our priority is to help you regain control, find peace of mind, and move forward with a fresh start.

How to Stop Creditor Harassment in Ohio

If you’re frequently receiving threats from your creditors, you have options. Listed below are just a few ways that you could potentially stop a creditor who’s committing the crime of harassing communications.

• File for Bankruptcy
• Write a Letter
• Document All Harassing Communications
• File an FTC Complaint
• Sue the Debt Collection Agency for Harassment

Damages for Continued Creditor Harassment

If a creditor continues to contact you after you have filed your case, our legal team will protect your rights in pursuing damages for their illegal actions.

These can include compensation for:

• Damages for loss of work hours
• Mental and emotional damages
• Property damages
• Repossessed property

When you file for bankruptcy, the harassment will stop. If it does not, we will pursue legal action on your behalf.

Call a Cincinnati Creditor Harassment Lawyer For Help

Don’t let creditors intimidate you — take action today. Contact us for a free consultation and learn how we can help you put an end to harassment and get on the path to financial recovery. Let us help to secure your legacy and protect your peace of mind – contact our office today to begin planning for your future.