Bankruptcy Alternatives and Debt Relief

Southwest Ohio Debt Relief Attorney
Northern Kentucky Debt Relief Attorney

For some people, bankruptcy may be the only way to provide significant relief for their debt problems. For others, bankruptcy alternatives may provide critical relief for hassles associated with financial debt.

One common concern of the people we serve at our office is creditor harassment, including harassing collection calls. If you are tired of harassing collection calls, there are steps that can be taken . You can contact the phone company to block certain types of harassing phone calls. You can send a certified letter demanding that the collection company cease all further phone communications with you. Failure to obey this demand may constitute a violation of the Fair Debt Collection Practices Act (FDCPA), which is a federal law.

If you are being harassed by creditors, keep these facts in mind:

• Collection agencies may contact your employer only to verify employment and income. Questions beyond this scope violate the FDCPA.
• If your car is on the street or in your driveway and is not blocked, the auto repossession professional is not required to have a court order to repossess your car
• Auto repossession professionals may not break into a locked garage nor damage any property to repossess your vehicle. However, they may obtain a court order that requires you to open the garage or otherwise make the car accessible if it is not accessible. You should ask to see the court order before making your vehicle accessible to the repossessor.

To learn more about your rights regarding home foreclosures, car repossessions, wage garnishments, and creditor harassment, call attorney Robert R. Jones in Cincinnati, Ohio, at (513) 621-2888, or contact a debt relief lawyer online.

Robert R. Jones, Attorney at Law

1900 Kroger Building, 1014 Vine St
Cincinnati, Ohio 45202

We represent clients in Southwest Ohio and Northern Kentucky. Cities and counties we serve include Cincinnati, Fairfield, Wilmington, Mason, Loveland, Covington, Florence, Newport, Batavia, Hamilton, Brown County, Hamilton County, Warren County, Butler County, Clermont County, Boone County, Grant County, Campbell County, and Clinton County.