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Bankruptcy Help For Everyday People

Collections attempts may cause many to seek debt relief

Dealing with debt issues can often make North Carolina residents feel embarrassed. They may think that other people will judge them for the state of their finances and also feel uncertain as to how to find the debt relief they crave. Individuals in this predicament may also fear what debt collectors may do in order to attempt to obtain payments.

Though debt collectors can take certain actions, there are also several actions that they are prohibited from carrying out. For instance, collectors cannot come to someone's place of employment in hopes of collecting on debts. However, they could call a person's workplace. If an individual asks the collector not to call the workplace, the collector must cease such actions under law.

Additionally, collectors cannot harass a person or carry out an arrest. This means that individuals should not be subjected to numerous phone calls, threats or abusive language. Parties cannot face arrest for owing debts either, but collectors could file lawsuits in attempts to obtain payment. If the person named in the suit does not show up for court, he or she could face a court order for payment. If that order goes ignored, an arrest could potentially take place.

Though it may bring some individuals a modicum of comfort to know that collectors cannot carry out various actions, facing permissible collection actions may still seem daunting. Luckily, there are debt relief options that many North Carolina residents may be able to take advantage of in order to address their financial concerns. Finding out more information on bankruptcy may allow interested parties to start toward a more stable financial future.

Source: newsok.com, "5 Things Debt Collectors Can't Do -- and 5 They Can", Sept. 1, 2017

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