Are you a resident of Michigan suffering through creditor harassment? Sometimes, it can be difficult to pick up on the signs. Today we will take a look at some of the potential warning signs that you are facing creditor harassment. 

The most obvious signs usually revolve around threats. Are creditors stopping by your house? Do they call you nonstop at all hours? Do they send you menacing letters? Have they threatened you with lawsuits? Do they post public information to “shame” you? Do they report you to crediting agencies to get you blacklisted? These are all examples of more blatant threats. 

Threats can also be harder to pick up on, though. For example, creditors may make subtle hints that you or your property will come to harm if you do not follow their directions. They can disguise this as concern or well-meaning advice. 

Fortunately you can stop creditor harassment by filing for Chapter 13 bankruptcy. Creditors must stop pursuing collection activities as soon as you file for bankruptcy. By paying the filing fee and filing the proper paperwork, you initiate an automatic stay. This blocks creditors from continuing their collection attempts. Your income and property are safe from creditor seizure. Most importantly, attempts to contact you, report you to credit agencies or threaten lawsuits must also cease. 

Are you interested in reading more about Chapter 13 bankruptcy? Would you like to learn about other types of bankruptcy as well? You can visit the link here to view our web page on Chapter 13 bankruptcy. It is a solid place to start digging through information.