Creditor Harrassment

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Creditor harrassment is usually one of the biggest factors that push someone to finally file bankruptcy. After months, maybe years, of thinking about it and thinking about it, all the calls and threatening letters finally usually push most people to get these people off their backs.

The one secret weapon consumers have against harrassing creditors and their harrassing phone calls is the "automatic stay." The automatic stay is something that happens automatically the moment after filing bankruptcy. When you file, creditor harassment must stop immediately.