Experienced Advice Regarding Debtor/Creditor Relationships

Stop Creditor Harassment

When creditors do not get paid, they can resort to drastic measures. Urgent letters and harassing phone calls are only the beginning. Creditors and collection agencies often threaten to sue and obtain judgments for garnishment. To learn what a creditor can legally do and what your rights are, speak with an experienced lawyer.

Even though you owe money, there are laws that protect you from abusive and deceptive creditor actions. I am Maureen O’Malley, Attorney at Law, located in Reston Virginia. I help people in financial distress understand their rights and protect their interests.

Creditors Are Not as Powerful as They Appear

Creditors use aggressive tactics to collect overdue money. Credit card companies, hospitals, national chain stores, local businesses and other creditors can file a lawsuit against you and obtain a judgment allowing them to garnish your paychecks and bank accounts.

However, according to the Fair Debt Collection Practices Act, there are limits to creditors’ rights. They must follow specific rules, including:

  • Not calling early in the morning or late in the evening
  • Not threatening you or your family
  • Not coming to your workplace

Any creditor who violates the guidelines must pay monetary damages.

Bankruptcy Can Give You a Second Chance

While many people want to avoid bankruptcy at all costs, the truth is, bankruptcy can help you make a fresh financial start. The stress of not being able to pay bills and worrying about creditor actions takes a heavy toll. When there is no end in sight, the frustration can become unbearable.

Many of my clients have said filing bankruptcy gave them a huge sense of relief, a chance to rebuild their financial health and credit. I have over 20 years of experience helping individuals file Chapter 7 bankruptcy. To learn if this is a reasonable debt relief solution for you, or to discuss alternatives to bankruptcy, contact my office.

Arm Yourself With Knowledge

To learn more about debtor/creditor interaction and how to protect yourself from creditor harassment, contact me online or call me locally at 703-483-9639 or toll free at 888-353-2098. My office is conveniently located off Sunrise Valley, between Wiehle and Reston Parkway.

I am required to disclose that I am a debt relief agency. I help people file for bankruptcy relief under the Bankruptcy Code.