Difference Between Chapter 7 & Chapter 13 Bankruptcy

Chapter 7

Chapter 13

Wage Garnishment


Creditor Harassment

Small Business Bankruptcy


Protecting Clients as They Pursue a Fresh Financial Start

Protracted harassment from creditors can be exasperating, embarrassing, and tedious. Some debt collectors will go out of their way in their efforts to make your life as frustrating as possible, sometimes mounting such a persistent effort that it becomes difficult to go a day without interruption. At a certain point, it really does feel like undue harassment: No one wants to have debts, and if you could settle yours now, you certainly would.

The good news is there are legal tools to help you end creditor harassment. The Southard Law Firm, L.L.C. has a proud history of protecting its Cincinnati clients from unscrupulous collection agents. Attorney Arthur Southard can evaluate the details of your debt situation and help you chart a course toward financial relief, which includes taking steps to halt creditor actions.

Schedule a free, no-obligations phone consultation by calling or contact us online.


You Have Rights When Dealing with Creditor Harassment

It may seem like collection agents operate with impunity if you owe debts, but the truth is there is legislation in place that protects you from certain types of creditor actions. The Fair Debt Collections Practices Act (FDCPA) regulates what creditors are not permitted to do when contacting you.

The FDCPA prohibits creditors from:

  • Harassing you via phone or any other point of contact. This means creditors cannot use threatening or other harmful language in the course of their attempts to collect.
  • Contacting you at unusual times or in unusual places. This means creditors cannot call you in the middle of the night, for example, as a means to annoy or intimidate you. They also cannot attempt to accost you in places like your local grocery store or at a restaurant.
  • Bypassing your legal representation. If you are retaining the services of an attorney to represent you, creditors must cease attempting to contact you directly once they are made aware.

Many creditors will violate the above regulations in the hope that debtors do not realize the rights afforded to them by the FDCPA. That is why retaining the services of a qualified creditor harassment lawyer in Cincinnati can go a long way in reducing creditor harassment, even if you elect not to file for bankruptcy as a means to manage your debt.

How Bankruptcy Can Help End Creditor Harassment

Consumer bankruptcy is one of the most powerful tools in debt management. Both Chapter 7 and Chapter 13 bankruptcy allow the debtor to discharge certain types of debts through either liquidation or a series of reorganized payments. Managing your debt and working toward a more sustainable financial future can help reduce creditor harassment long-term.

For the short-term, filing for either type of bankruptcy triggers a critical tool called an “automatic stay.” An automatic stay bars all collection actions against you. That includes any and all types of creditor harassment as well as a freeze in any repossession procedures, including foreclosure. In addition to freeing yourself from endless creditor calls, an automatic stay can help save your home or even your vehicle.

A bankruptcy court will promptly issue the automatic stay as soon as you successfully file for either Chapter 7 or Chapter 13 bankruptcy. The freedom from collection agents helps you to focus on bettering your financial situation uninhibited and is a major advantage to bankruptcy.

Contact The Southard Law Firm, L.L.C. for Help with Creditor Harassment

If you are facing unending calls, visits, or mail from creditors, Attorney Arthur Southard can help. Our firm’s legal team has a comprehensive knowledge of Ohio bankruptcy and debtor protection law and can help ensure your rights are protected as you seek a better financial future. Attorney Arthur Southard can review the details of your situation and help you understand your legal options. If bankruptcy makes sense for you, we can help determine for which type you qualify, assist you in preparing your filing materials, represent you in court, and work to make sure your automatic stay is granted and honored by creditors.

You do not have to live with ceaseless creditor harassment. Take the first step to financial freedom by calling or contacting us online.


Personal Attention

We will work to help you move confidently through the legal process and court system, while keeping your goals in mind at all times.


Providing legal counsel and services to people and businesses in Cincinnati and surrounding Ohio counties. Call Attorney Southard to schedule an appointment today.