Castle Law Office Blog | Missouri & Illinois Bankruptcy Legal Blog

What Can You Do If Your Creditors Are Breaking the Law?

A former debt collector, 58 year old accountant Steven Katz, has decided to fight back against his creditors. After a debt collector damaged his credit score with what Katz claimed as an illegitimate bill, he decided that he was going to sue—and he won.

Certain bill collectors who harass you and your family, call at inappropriate hours or at work, and use inappropriate language in an attempt to collect a debt may be breaking the Fair Debt Collection Practices Act. Katz is one of a growing group of people that has insisted on fighting back against obvious violations by creditors of the FDCPA. In fact, 2009 saw a 60% increase from 2008 in federal lawsuits against creditors violating the act.

If your creditors are breaking the law, you can take action against them just as Steven Katz did. It is important to remember, however, that suing your creditors may not make your debt go away.

There is no quick and easy way to get out of debt. There is, however, a potentially permanent solution that can make your creditors disappear, give you and your family credit card debt help, and stop your wage garnishment.
For many people, a Missouri and Illinois Chapter 7 can eliminate debt and wipe the slate clean, allowing someone like you and your family to start building the life you always wanted.

Wondering, “Should I file bankruptcy?” It can be an easy question to answer if you do the right research and find the right information. Request a free copy of my Illinois and Missouri bankruptcy book, “Get Out of Debt: Secrets Your Creditors Don’t Want You to Know,” to learn what Chapter 7 could do for you.