Are you an Arizona consumer who has filed bankruptcy within the past few years?
Are your creditors still trying to collect your discharged debt?
Are your discharged debts still reporting as owed on your credit report?
I am regularly contacted by Arizona debtors who are still suffering the collection harassment the bankruptcy was supposed to stop! Unfortunately, many creditors sell the debts after they get notice of your bankruptcy. And, the debt-buyers who buy these accounts ignore the bankruptcy and hope you will too.
Sometimes their tactics are subtle, like reporting the accounts as outstanding to the credit bureaus, or sending soft letters suggesting that paying the debt will improve your ability to get new credit. Either way, they are violating the bankruptcy laws and perhaps the federal Fair Debt Collection Practices Act (FDCPA).
Sometimes they act much more boldly. When you question the validity of the debt, the creditor or debt-buyer will suggest that perhaps the debt was not discharged in the bankruptcy and that you still owe the money.
The bottom line is that if a creditor, a debt-buyer, or a collection agency makes any attempt to collect one of the debts included in your bankruptcy, they have violated the law.
If you are an Arizona consumer, I may be able to help you stop the collection attempts, and recover damages from these unscrupulous collectors. I offer a free phone consultation.
Call me, Floyd W. Bybee, at 480-756-8822