Bankruptcy: Creditor Harassment

Creditor Harassment Attorneys

The concern about home foreclosure, medical bills, car repossession, and credit card debt is enough to worry about. You shouldn’t have to deal with harassment from your creditors, too. The encouraging news is that you don’t have to.

The Fair Debt Collection Practices Act (FDCPA), protects you, by prohibiting Debt Collectors from taking collections to far. When creditors go too far, you may be able to recover money from them on account of their unlawful conduct.

The FDCPA prohibits debt collectors from certain collection activities, including:

  • Contacting you at work
  • Threatening to file criminal charges against you
  • Threatening to remove your children to social services
  • Using foul, crude, or abusive language
  • Contacting you after 9:00pm and before 8:00am
  • Contacting your friends, family members, co-workers, or neighbors about your debt
  • Threatening to contact your employer to divulge your financial situation

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Trusted Creditor Harassment Law Firm In St. Cloud, MN

If any of these things have happened to you, we encourage you to call us at the Heller & Thyen, P.A., to discuss your rights in pursuing a claim against the debt collector for money damages. You have rights – let us protect them.

There are certain debts that a Chapter 7 Bankruptcy does not allow you to discharge. Some of these debts include:

1. Recent taxes
2. Student loan debt
3. Child support obligations
4. Spousal support obligations
5. Debts not listed in the Chapter 7 Petition
6. Credit that was obtained from fraud
7. Debts with co-debtors – your co-signer will be liable for the full amount of the debt unless they also file bankruptcy


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“Heller and Thyen were very informative in helping me decide what type of bankruptcy to file and how the process works. I will recommend them to anyone who needs financial help.”


“Robb was very professional about my case and treated me like a real person who needed help. I would recommend him to anyone who needs legal help.” –


“Heller & Thyen were truly wornderful to work with! It’s so helpful to have always lawyers that truly care about the people who they are working with.”