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Creditor Harassment

Manhattan Creditor Harassment Attorney

Protecting the Rights of Manhattan, Brooklyn and Queens Residents Struggling with Debt

When you are having difficulty paying your bills, it is extremely easy to become overwhelmed. Add to this scenario, the incessant calls and emails from aggressive creditors, and it may seem like you are clinging to the edge of a cliff of stress and anxiety. When creditors constantly harass you, pressuring you to pay debts which you are already doing your best to settle, it can become terrifying to even open your mailbox or answer your phone.

However, you do not have to face more sleepless nights with the aid of our reliable Manhattan creditor harassment lawyer. Here at the Law Office of Julio E. Portilla, P.C., we know what it takes to help you immediately halt the horrible nuisance of creditors, utilizing a strong bankruptcy plan to get you back on solid ground.

Call us today at (917) 909-6166 so that you can move forward out of financial difficulty into financial freedom.

Prohibition Against Creditor Harassment

Legally, debt collectors are able to ask clients to repay their loans. However, many creditors unfortunately abuse this license, and try to use a wide variety of methods, some bothersome, some deceptive, all to collect your debt.

However, regardless of how much these companies are owed, The Fair Debt Collection Practices Act (FDCPA) states that borrowers are safeguarded from these nefarious debt collection strategies. The law is designed to protect individuals from being stressed and abused by any illegal actions made by creditors.

According to the FDCPA, creditor companies are absolutely prohibited from using strategies of harassment including:

  • Contacting the debtor’s workplace or location of employment when they have been asked to not call at this location
  • Utilizing any form of deceit, misconduct, or misrepresentation, whether oral or written
  • Physically or vocally threatening with claims of arrest
  • Using emotional tones or arguments to convince the debtor
  • Continuing to call or email repeatedly, even when this communication has been requested to cease immediately
  • Contacting consumers at their house during hours they should be resting, such as before 9 am or after 8 pm
  • Contacting an employer or family member or any other third party in order to talk about the consumer's debt

Stopping Harassment through Bankruptcy

One of the most certain ways of immediately stopping creditor harassment is through the resolution of bankruptcy. Whether you are turning to Chapter 7 or Chapter 13 bankruptcy for support, you already have a lot of advantages, since these options can help you reorganize your debt or even discharge your debts for good. However, there is another excellent benefit of applying for bankruptcy as well – receiving an automatic stay.

An automatic stay comes into place the moment you apply for bankruptcy, and it instantly halts any attempt from creditors or debt collectors to seek your payment. When you get an automatic stay, creditor companies are banned from repossessing your car, garnishing any of your salary, foreclosing your home, or even nagging you with more phone calls.

Get Immediate Professional Support against Creditors

If you are weary of dealing with the harassment of collectors, you do not have to endure this anguish any longer. Instead, get in contact with our experienced Manhattan creditor harassment attorney. At the Law Office of Julio E. Portilla, P.C., we can bring you the peace and freedom you deserve through filing for bankruptcy.

Contact us now at (917) 909-6166for the strongest defense against collection harassment and an opportunity for financial liberty. Request a free case consultation today.

What Sets Us Apart?

The Difference is Clear
  • High-Quality Representation

    The majority of the firm's clients are referrals. This is a testament to their faith in Attorney Portilla's ability to provide the best legal counsel and advocacy.

  • Accessible

    When you hire Attorney Portilla you can count on transparent communication regarding your case and fast response times on all questions!

  • Convenient

    For your safety and convenience, The Law Office of Julio E. Portilla, P.C. offers phone and video consultations as well as same-day appointments.

  • Multilingual

    The team at The Law Office of Julio E. Portilla, P.C. is multilingual and serves its clients in English and Spanish.

  • Personalized Attention

    Attorney Portilla takes the time to listen, walk you through the process, and create a personalized strategy for your case.

  • Courtroom Experience

    Attorney Portilla is a proven litigator who has vast experience handling various cases types in a courtroom successfully.

Meet Our Dedicated Attorney Julio E. Portilla

"I will fight to protect your legal rights under the law."

Stories from People We have Helped 

Read Our 5 Star Reviews 
  • Very Professional

    “He paid attention to my concerns and treats you like family. Julio Portilla is dedicated to you from beginning to end. He works relentlessly to resolve a case. I would absolutely recommend his services to anyone in need of legal assistance.”

    - Paul S.
  • Greatest Success Possible

    “He not only guided me in my most difficult moments, but he was determined and positive at all times.”

    - Kat Sykes
  • Attentive, Knowledgeable, and Detail Orientated

    “He helped us every step of the way and made us feel so comfortable during a very difficult time.”

    - Anahida
  • Excellent Lawyer

    “He was there for me in my time of need when I thought I had no options. He was professional and was always available to help in any way he could.”

    - Iris
  • I Was Put at Ease

    “I never felt lost, and the entire process was very stress-free thanks to Mr. Portilla.”

    - Happy Client

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