Sacramento Bankruptcy Attorney

Sacramento Bankruptcy Lawyer Richard Allaye Chan, Jr., helps people file for bankruptcy protection under the U.S. Bankruptcy code.

Sacramento Bankruptcy is a tool that can stop harassing phone calls, garnishments, foreclosures, lawsuits, liens and more. A bankruptcy can assist in getting you out of debt and back on track.

You are not alone, thousands of people are seeking help from the Bankruptcy Court. Speak with an experienced Sacramento Bankruptcy Attorney and wipe your slate clean.

Bankruptcy Attorney in Sacramento California Richard Allaye Chan, Jr., provides the most comprehensive Bankruptcy services in Sacramento, San Joaquin, Solano, Stanislaus, El Dorado, Placer, Yuba, Sutter, Yolo, Tehama, Glenn, Humboldt and other surrounding counties.

If you are having financial hardship and are considering filling for bankruptcy, call a Sacramento California Bankruptcy Lawyer toll free at 1-888-446-4333 for a FREE confidential Bankruptcy consultation.

We are a debt relief agency.
For FREE Bankruptcy Consultation Call Toll Free:
(888) 446-4333

Richard Allaye Chan, Jr.
A Professional Corporation
1000 G Street, Suite 220
Sacramento, CA 95814

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A debt collector can contact you in person, by telephone, telegram, mail, or fax. If he or she contacts you in person or by telephone, it must not be at unusual or inconvenient times or places. A debt collector may not contact you before 8:00 a.m. or after 9:00 p.m. unless you agree to it. You cannot be contacted at work if your employer objects; and many state laws prohibit a debt collector from contacting you at work unless you agree to it.

A debt collector must tell you his or her name and cannot lie and say that he or she is from a credit reporting agency or is an attorney or government representative. Within five days after the debt collector contacts you, the debt collector must send you a written statement showing how much you owe and to whom. The debt collector must also tell you what to do if you don't think you owe the money. If within thirty days you send the debt collector a letter stating that you do not owe the money, the debt collector can contact you again and resume trying to collect the debt only if he or she sends you proof of the debt, such as a copy of the bill, credit card purchase receipt, or your returned check.

A debt collector is prohibited from harassing you or embarrassing you in front of others. For example, the debt collector can't keep calling you ten times a day, use profanity in talking with you, or threaten you with physical harm if you don't pay up. A debt collector can't call you a deadbeat in front of your friends or coworkers. The debt collector also cannot tell you that he or she will ruin you reputation if you don't pay up immediately. The debt collector can't threaten to call the police and accuse you of a crime if no crime has been committed. Nor can a debt collector threaten to take any other kind of legal action against you unless the legal action is permitted and the debt collector intends to take it. A debt collector also cannot telephone debtors without identifying themselves, nor can they advertise the fact that you owe a debt. The latter would be an invasion of privacy for which you could sue the debt collector and the company he or she works for.

Debt collectors may not misrepresent the amount of your debt or the involvement of an attorney in collecting a debt. Nor can a debt collector tell you that papers being sent to you are legal papers when they are not; similarly, he or she may not tell you that papers being sent to you are not legal documents when in fact they are.

The fact that you owe somebody money is usually a matter between only you and the person or company to whom the money is owed. A debt collector cannot tell your friends or coworkers that he or she is a debt collector and is looking for you to discuss a delinquent debt. A collection agency can't even send you a letter that notes on the envelope that the sender is a collection agency. The creditor may be liable for invading your privacy if he or she tells others of your debt.

A debt collector can, however, contact you friends and coworkers for the limited purpose of finding out where you live or work. They usually are permitted to contact each person once, but cannot tell them that they are looking for you because you owe them or the company they represent money.

If you are having financial hardship and are considering filling for bankruptcy in the Sacramento area, please call a Sacramento bankruptcy attorney toll free at 1-888-446-4333 for a FREE confidential Sacramento bankruptcy consultation. YOU ARE NOT ALONE. Call Sacramento bankruptcy lawyer today.

We are a debt relief agency.

Call Toll Free: (888) 446-4333
Richard Allaye Chan, Jr.
A Professional Corporation
1000 G Street, Suite 220
Sacramento, CA 95814

Tel: (916) 446-4400
Fax: (916) 446-5514

Roseville: (916) 783-9696
Yuba City: (530) 666-6464
Marysville: (530) 666-6464
Folsom: (916) 446-4400
Stockton: (209) 952-9500
Fairfield: (707) 429-4242
Truckee: (530) 587-3400
Las Vegas: (702) 385-7100

Sacramento Bankruptcy
Sacramento Bankruptcy Attorney
Sacramento Bankruptcy Lawyer

How can you stop a collection agency from bothering you? Simply by writing a letter to the collection agency telling it that you won't or can't pay the debt and to leave you alone. This bars the collection agency from contacting you again, except to say that there will be no further contact or that some specific action - a lawsuit, for instance - will be taken against you (but only if the collection agency intends to do so). This rule usually applies only to collection agencies and lawyers who regularly collect debts as part of their practice. The creditor (that is, the store where you charged the item) can continue contacting you, so long as it does not harass you.

If a debt collector continues to call or otherwise contact you even though you've sent a letter demanding that it stop contacting you, you should contact an attorney immediately to get the debt collector off your back. One nice thing about hiring a lawyer is that once your lawyer notifies your creditors and debt collection agencies that he or she represents you, your creditors and the collection agencies must deal with your attorneys, not you.

Other things you can do when you feel that you are the victim of a debt collector's unlawful harassment or other misconduct if file a complaint with you state attorney general's office, as well as filing a complaint with the Federal Trade Commission (FTC) at: Consumer Response Center, Federal Trade Commission, Washington, DC 20580.

While the FTC ordinarily does not intervene in individual disputes, your complaint may indicate a pattern of possible law violations by this particular collection agency and the FTC will take action against it.

If you are having financial hardship and are considering filling for bankruptcy in the Sacramento area, please call a Sacramento bankruptcy attorney toll free at 1-888-446-4333 for a FREE confidential Sacramento bankruptcy consultation. YOU ARE NOT ALONE. Call Sacramento bankruptcy lawyer today.

We are a debt relief agency.

Call Toll Free: (888) 446-4333
Richard Allaye Chan, Jr.
A Professional Corporation
1000 G Street, Suite 220
Sacramento, CA 95814

Tel: (916) 446-4400
Fax: (916) 446-5514

Roseville: (916) 783-9696
Yuba City: (530) 666-6464
Marysville: (530) 666-6464
Folsom: (916) 446-4400
Stockton: (209) 952-9500
Fairfield: (707) 429-4242
Truckee: (530) 587-3400
Las Vegas: (702) 385-7100

Sacramento Bankruptcy
Sacramento Bankruptcy Attorney
Sacramento Bankruptcy Lawyer

Creditors expect debts to be paid in full and on time. If you miss a payment or two, you can bet that the creditor will take steps to collect it. First you'll get a polite letter reminding you that your payment is past due. If you don't respond with a check, other letters will follow, each firmer in tone than the last. The second or third letter may threaten to turn the matter over to a collection agency or to the creditor's lawyer. If you ignore these letters, you'll soon receive a letter or telephone call from a collection agency or a lawyer. But there are limits to how far a creditor or collection agency can go to collect a debt.

Let's say that your debt has been turned over to a collection agency, and the collection agency starts calling you at all hours of the day and night, at home and at work. The debt collectors calls you names and even goes so far as to threaten to call your boss and get you fired if you don't pay up immediately. Can you do anything to stop this harassment? Yes. A number of laws now protect you from creditor harassment and other strong-arm tactics. The most important of these is the federal Fair Debt Collection Practices Act, which protects you from "debt collectors" - persons who regularly collect debts for others. The creditor is not covered by this act, but states usually prohibit them from harassment and other excessive collection tactics. Attorneys who collect debts on a regular basis are subject to the provisions of the Fair Debt Collection Practices Act.

One thing that is quite common when you fall behind in your payments is a letter from your creditor asking for the full balance of the loan even though there may be, say, two more years to go. Suppose, if you will, that your loan calls for you to make twenty-four monthly payments of $100. After making six payments, you miss two. The creditor sends you a letter stating that you are in default of the loan - $1800 plus interest to date - is immediately die and payable. Can the creditor do this? Yes - if the loan agreement contains an "acceleration clause" (which written loan agreements ordinarily do). Usually, though, you bring the delinquent payments up to date, the creditor won't make you pay the rest at once. But if you don't make up the back payments, the creditor will most likely accelerate the payments and demand the entire amount, and take you to court if you don't pay it.

If you are having financial hardship and are considering filling for bankruptcy in the Sacramento area, please call a Sacramento bankruptcy attorney toll free at 1-888-446-4333 for a FREE confidential Sacramento bankruptcy consultation. YOU ARE NOT ALONE. Call Sacramento bankruptcy lawyer today.

We are a debt relief agency.

Call Toll Free: (888) 446-4333

Richard Allaye Chan, Jr.
A Professional Corporation
1000 G Street, Suite 220
Sacramento, CA 95814

Tel: (916) 446-4400
Fax: (916) 446-5514

Roseville: (916) 783-9696
Yuba City: (530) 666-6464
Marysville: (530) 666-6464
Folsom: (916) 446-4400
Stockton: (209) 952-9500
Fairfield: (707) 429-4242
Truckee: (530) 587-3400
Las Vegas: (702) 385-7100

Sacramento Bankruptcy
Sacramento Bankruptcy Attorney
Sacramento Bankruptcy Lawyer

Sacramento Bankruptcy Lawyer Richard Allaye Chan, Jr., helps people file for bankruptcy protection under the U.S. Bankruptcy code.

Bankruptcy is a tool that can stop harassing phone calls, garnishments, foreclosures, lawsuits, liens and more. A bankruptcy can assist in getting you out of debt and back on track.

You are not alone, thousands of people are seeking help from the Bankruptcy Court. Speak with an experienced Bankruptcy Attorney in Sacramento California and wipe your slate clean.

Bankruptcy Attorney in Sacramento California Richard Allaye Chan, Jr., provides the most comprehensive Bankruptcy services in Sacramento, San Joaquin, Solano, Stanislaus, El Dorado, Placer, Yuba, Sutter, Yolo, Tehama, Glenn, Humboldt and other surrounding counties.

If you are having financial hardship and are considering filling for bankruptcy, call a Sacramento California Bankruptcy Lawyer toll free at 1-888-446-4333 for a FREE confidential Bankruptcy consultation.