Creditor Harassment Lawyers in Knoxville

Proudly Serving East Tennessee Since 2006

Anyone who has ever experienced debt of any kind knows what a tremendous weight it feels like to carry this burden. Of course, no one chooses to be stuck in this situation, but unfortunately, it just occurs, due to life's trials.

Today's current economy was bad enough before the deadly pandemic of COVID-19 struck, damaging people's livelihoods even further. In the chaos of the ongoing recession, paying one's normal bills became not merely a challenge, but an impossibility. Yet in the midst of all this, many creditors are still breathing down people's backs, constantly demanding recompense to the point that they are harassing individuals. What began as an already problematic situation has only become more toxic as creditors continually infringe on rights of privacy and decency.

In order to fight back against harassment, the most effective approach is contacting one of our creditor harassment attorneys in Knoxville. The Law Offices Of Mayer & Newton will listen with empathy and dedication before supporting you in the process of preventing harassment. No matter your situation, our determined team is ready to support you in the most pressing situations.

Call us today at (865) 328-7993 to reach our team, serving Morristown, Knoxville, and Sevierville.

Legal Boundaries of Creditors

Did you know that creditors can only take things so far when they are trying to collect your debt? From the Fair Debt Collection Practices Act, it is clear that you have rights to not be contacted repeatedly and not be heckled at all times of the day and night.

Some signs that you are being harassed by creditors can include events where:

• Your creditors repeatedly send demand letters, sometimes even multiple times a week
• Your creditors often call you at work as well as at home
• Phone calls from your creditor can be expected at any hour of the day and night
• You are receiving threats that your house, car, or any other property will be repossessed even if you just started falling behind on your payments
• Creditors are using abusive or obscene language when communicating with you
• Your creditors are threatening to tell your boss about your debts

If creditors are hassling you multiple times a day, or are using any aggression in tone or language, in both written and oral contexts, you have the legal right to dispute this kind of unfair behavior.

Can Bankruptcy Stop Creditor Harassment?

One of the sure ways to counter creditor harassment is through filing for bankruptcy. This is because all creditors are forced to cease seeking debt collection from the moment you have applied for bankruptcy. While bankruptcy is not always the answer for every resident in Tennessee, our legal team can advise you on whether your situation would greatly benefit from filing this application.

Both Chapter 7 and Chapter 13 bankruptcy claims immediately lead to an automatic stay, and our knowledgeable attorneys can guide you towards the type of bankruptcy which would be right for you. Not only does an automatic stay prohibit debt collectors from continuously trying to seize your assets or finances, but the bankruptcy application will allow for some or even all of your debts to be discharged, depending on the situation. After this, those creditors will no longer able to harass you, since your debts would be eliminated.

You can trust The Law Offices Of Mayer & Newton to support you in finally coming to a place where you are free from debt and free from creditors. Contact us now at (865) 328-7993 to set up your case consultation. 

Understanding Creditor Harassment in Knoxville and Surrounding Areas

In Knoxville, the impact of creditor harassment can be particularly overwhelming, especially for residents facing the economic challenges that have arisen in recent years. Local families in neighborhoods like Fountain City and South Knoxville often find themselves juggling multiple financial responsibilities, from mortgage payments to medical bills. The stress of constant calls and threats from creditors can exacerbate these already difficult situations.

Fortunately, resources are available to help you navigate these challenges. The City of Knoxville and Knox County provide various support services for residents struggling with financial issues. Organizations such as the Knoxville Area Urban League and the United Way of Greater Knoxville offer financial counseling and assistance programs that can help you regain control over your finances and reduce the burden of creditor harassment.

Many residents in the area have reported feeling trapped by aggressive debt collectors, especially during tough economic times. If you are receiving repeated calls at all hours or facing threats regarding your property, it’s essential to know that you have rights under the Fair Debt Collection Practices Act. Our team at The Law Offices Of Mayer & Newton understands the unique challenges faced by Knoxville residents and is here to help you assert those rights.

Whether you live in the bustling downtown area or the quieter suburbs of Farragut and Maryville, we recognize that creditor harassment can feel isolating. Our dedicated attorneys are committed to providing personalized support tailored to your specific situation. We are here to help you explore your options, including the possibility of filing for bankruptcy, which can provide immediate relief from creditor harassment.

Don’t let creditor harassment dictate your life. Reach out to us today at (865) 328-7993 to discuss how we can assist you in reclaiming your peace of mind and financial stability in Knoxville and the surrounding areas.