There are countless people in the United States that are currently dealing with or who have had to deal with creditor harassment due to credit card debt.  The question most people ask when they are harassed by their creditors is how can they get the harassment to stop?  Below, we have provided several tips for those who wish to put an end to creditor harassment once and for all:

1)  If you find that you are unable to pay your bill on time, avoid harassment by calling your creditor first.  Explain that you are unable to pay your bill and ask for payment options.  By doing this, you will combat creditor harassment before it happens as it is usually in your creditors' best interest to work with you.

2)  If you are currently being harassed by your creditors, write a cease letter.  In your letter, you should ask your creditors to stop harassing you.  Tell them why you cannot pay your bill and what your payment intentions are.   By law, creditors must stop collection efforts after they have received a written request.

3)  Finally, if harassment persists, it is a wise idea to obtain representation from a bankruptcy attorney that handles creditor harassment cases.

If you are struggling with creditor harassment, contact the Stone Law Firm to speak with a Salt Lake City bankruptcy attorney.