Stop Abusive Debt Collection!
One of the biggest driving factors for people with debt problems to seek legal counsel is the stress created by frequent, sometimes abusive collection calls. Falling behind on your bills is a severe enough burden. Being afraid to answer your phone and having collection calls made to your employer, family members and others you know are sure signs that you should learn your rights and take a look at all available solutions.
Representatives who call you on behalf of creditors and collection agencies have a job to do — but they also have an obligation to obey laws that protect debtors’ rights. At our long-standing law firm, you can talk through your situation with Steven Klesner, a dedicated Iowa City debt relief attorney who knows the federal Fair Debt Collection Practices Act (FDCPA) and other relevant laws in depth.
We understand the desperation that overwhelming debt can create. Unfortunately, many people who see bankruptcy as an absolute last resort enroll in “credit solutions” and “debt consolidation” programs that may bring very temporary relief from collection calls but ultimately leave them in worse financial shape than ever.
We Can Provide “Real” Debt Solutions
At Johnston, Stannard, Klesner, Burbidge & Fitzgerald, P.L.C., you can receive clear, honest counsel on all options given your specific debt problems and financial position. Key considerations for you may include:
- The FDCPA prohibits many abusive practices by collectors, such as calling outside of reasonable hours, using profanity and making threats — but bringing a stop to such practices may require involvement by a knowledgeable lawyer.
- Filing Chapter 7 or Chapter 13 consumer bankruptcy can bring real, lasting debt relief and a legally enforceable automatic stay that reliably ends collection calls and actions against you.
- We are prepared to thoroughly analyze your full range of debt challenges, including a need for foreclosure defense, and present options based on your most important goals.
Contact Us Today!
Debt problems and pressures almost always become worse when you try to handle them without a lawyer or wait and do nothing. For a free brief consultation on your concerns and legal options, we encourage you to call us at 319-359-6492 or email our offices today.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.