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Creditor Harassment We Take the Time to Listen

Creditor Harassment Lawyer in Charlotte

Bring an End to Unlawful Collection Actions

If you are struggling under the weight of your debt, you might also be dealing with an endless barrage of calls, letters, and notices from debt collectors. Harassment is more than an inconvenience—it is a highly disruptive method creditors use to place unnecessary levels of pressure on debtors. You may be working diligently to pay off your debt and, in the meantime, relief from these invasive reminders could help you accomplish that goal.

A vital first step in ending creditor harassment is understanding your options as well as your rights. When you file for bankruptcy, creditors are legally required to freeze all collection action processes. You may, however, be able to stop them from contacting you without having to file bankruptcy, because the methods they are using to collect your debts may be unlawful.

I, Kimberly A. Sheek, will help you determine if you are experiencing creditor harassment. Whether we put an end to these calls through legal action or through declaring bankruptcy, my goal is to alleviate the stress of your financial struggle. I will provide you with compassionate and skilled guidance every step of the way.

Take action today. Call the Law Office of Kimberly A. Sheek at (704) 842-9776 or contact us online to attain relief with a Charlotte creditor harassment attorney.

What Qualifies as Creditor Harassment?

In 1977, the Federal Trade Commission passed the Fair Debt Collection Practices Act to protect debtors from creditor harassment. The act outlines proper conduct for all collection actions, from the time of day they can make calls to the language they can use when speaking with you. It explicitly states that “a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.”

Creditors violate this law when they:

  • Use (or threaten) violence
  • Use obscene or profane language with the intent of verbally abusing you or your friends, family, or neighbors
  • Publicize your name with the allegation that you have failed to pay your debt (unless they are reporting to certain qualified agencies)
  • Make phone calls with a frequency or nature designed to abuse/harass you or your friends, family, or neighbors
  • Refuse to identify themselves

If you are experiencing creditor harassment, you may be feeling powerless. Each state has its own laws regarding lawful collection actions, but with the help of a skilled attorney, you can better understand your rights and take appropriate action to attain relief.

How to Lessen or Stop Collection Actions

Whether or not your creditor is committing unlawful harassment in the process of collecting your debts, you have options to lessen or end these actions entirely.

These methods include:

  • Hiring a lawyer to act as your liaison. A legal representative can communicate with your creditor on your behalf. Even if the collection actions continue, you will no longer need to directly endure the stress of antagonistic communication strategies from collectors. An experienced attorney may also be able to negotiate a deal that allows you to pay less than what was originally requested.
  • Making them prove your debt. Creditors may be pursuing payments you are not required to make. They may have made a mistake, added their own fees, or continued to contact you after you filed bankruptcy. No matter the reason, you can request that they prove your debt through valid documentation, and they must comply with this request.
  • Cease-and-desist letter. If you feel your creditor is unlawfully harassing you, you can send them a cease-and-desist letter. Although this will not cancel your debt, the creditor is required to stop contacting you once they receive this notice. Do not take this method lightly, however, because it may provoke the creditor into filing a lawsuit.
  • Automatic stay. Generally, filing Chapter 7 or Chapter 13 bankruptcy triggers an automatic stay. Your creditors will need to freeze all collection actions during your bankruptcy.

Each method has its own complex implications, benefits, and consequences. In my years of experience, I have witnessed how the subtle differences between each client’s financial situation requires a unique strategy devised from scratch. I will help you decide which path is right for you and answer every question you have along the way.

Don’t Wait to End Unlawful Harassment—Call Now

You may not owe the debt your creditor is claiming, or they may be illegally harassing you. No matter the situation, acting now is vital for your future financial security. If you wait, a creditor may take legal action against you. With more than a decade of experience and steadfast commitment to treating every client with honesty, respect, and integrity, I am more than prepared to help you advocate for your rights.

The sooner you enlist qualified legal support, the sooner you can begin your path toward a brighter future. Call the Law Office of Kimberly A. Sheek at (704) 842-9776 or send a message online so I can get started on your case as soon as possible.

    How Is the Law Office of Kimberly A. Sheek

    the Right Choice for You?
    • Fast Results
    • Over a Decade of Legal Experience
    • Published Author & Speaker at Bankruptcy Seminars
    • Attorney Who Works One-on-One With You

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    • "Thank You For Your Support!"
      Kim and Team have done a great job over the past few years helping me navigate this financial disaster brought on by divorce. They always kept me informed throughout the process and Carol kept me on track with my classes. Kim is very straight forward and was always responsive to my emails. Cause, I have 20 questions! Thanks Kim for helping me make some very important life decisions the past few months 2022! Who knew? If you had told me last year I'd be debt free, sold my house and a 680 credit score, i wouldn't believe it. Thanks to you I've landed on my feet. There is life after Chapter 13.
      K Davis
      Charlotte, NC
    • "Kim did a Great job with my case!!!"
      Kim was Fantastic in assisting me with my bankruptcy case. I suffered a pulmonary embolism back in 2019 and deal with mild/moderate memory & retention issues and Kim was so incredibly understanding, helpful and considerate of my condition while assisting me through the emotionally challenging process of filing for bankruptcy. I am extremely grateful I found Kim and had her successfully guide me through this process. I Highly Recommend Kim to anyone having to file for bankruptcy. You will be so very glad you did!
      BSF
      Locust, NC
    • "Amazing"
      Kimberly Sheek is an Amazing Attorney to work with. She is pleasant very patient and turn around time is awesome. She is passionate about her job and she makes you feel like she cares . She returns calls promptly If I ever need an Attorney she will be my first call.
      Richard Taylor
      Charlotte, NC
    • "Awesome Experience"
      Kimberly has truly been a pleasure to work with throughout my bankruptcy process. She is very sweet, patient, and honest. She truly made this process so much easier to deal with and she put my fears to rest. She always responds to calls and emails promptly and her turnaround time with my case was amazing! I highly recommend her if you’re in need of an attorney.
      Donna Clarke
      Charlotte, NC
    • "Of Course You Want The Best - Well Here She Is"
      My recent experience with Kimberly Sheek Law Office has been nothing but a positive one. I was very concerned about everything the bankruptcy process would entail. Mrs. Sheek was direct, detailed, always pleasant to speak with and always got back to me in a timely manner. She graciously walked me through every part of the process, clearly explaining my options, and clarified which steps I would need to take in order to cleanly go through with the legal proceedings. I highly recommend Mrs. Sheek to anyone in need of a Bankruptcy Attorney.
      Mary
      Huntersville, NC
    • "Great attorney. Excellent service."
      Kim is an outstanding attorney she's very thorough in her work and in explaining bankruptcy proceedings I'm most grateful to her for helping me work through this issue and getting it behind me.
      M. Williams
      Charlotte, NC
    • "NC"
      Kimberly A. Sheek is the best attorney ever! I was very nervous going into this bankruptcy procedure and had no idea what to expect. Kim assured me from day one that all would be well explained the procedures pretty much step by step to make sure I would be prepared. When I went to the creditors meeting, she came over and reassured me that I had nothing to worry about and she was right, as it took no more than 10 min at the most and went quite smoothly. I received my discharge papers right around the time she said I would. If you are looking for a qualified, smart, caring and educated BK Attorney, you cannot go wrong with Kim.
      Paulette B.
      Charlotte, NC
    • "Good Experience"
      I was looking for a bankruptcy attorney for my daughter. Being new to the area I began searching the internet for one. After narrowing down my search, I selected Attorney Kimberly. When we met with her for the first time I felt confident that we had the right person. We were fearful going in but relaxed when we left. I really liked how she worked with my daughter, explaining how the different laws work so that my daughter had all of facts before making a decison. Even later when we had questions, Attorney Kimberly returned our calls or sent us an email. If you are looking for someone that will put your mind to rest, knowledgeable, friendly and concerned about YOU then I suggest you hire Attorney Kimberly Sheek.
      A. Thomas
      Charlotte, NC

    Hear From Our Happy Clients

    At Law Office of Kimberly A. Sheek, your satisfaction is our priority! See for yourself what our clients have to say about working with us.

      "Thank You For Your Support!"
      Kim and Team have done a great job over the past few years helping me navigate this financial disaster brought on by divorce. They always kept me informed throughout the process and Carol kept me on track with my classes. Kim is very straight forward and was always responsive to my emails. Cause, I have 20 questions! Thanks Kim for helping me make some very important life decisions the past few months 2022! Who knew? If you had told me last year I'd be debt free, sold my house and a 680 credit score, i wouldn't believe it. Thanks to you I've landed on my feet. There is life after Chapter 13.
      K Davis
      Charlotte, NC
      "Kim did a Great job with my case!!!"
      Kim was Fantastic in assisting me with my bankruptcy case. I suffered a pulmonary embolism back in 2019 and deal with mild/moderate memory & retention issues and Kim was so incredibly understanding, helpful and considerate of my condition while assisting me through the emotionally challenging process of filing for bankruptcy. I am extremely grateful I found Kim and had her successfully guide me through this process. I Highly Recommend Kim to anyone having to file for bankruptcy. You will be so very glad you did!
      BSF
      Locust, NC
      "Amazing"
      Kimberly Sheek is an Amazing Attorney to work with. She is pleasant very patient and turn around time is awesome. She is passionate about her job and she makes you feel like she cares . She returns calls promptly If I ever need an Attorney she will be my first call.
      Richard Taylor
      Charlotte, NC
      "Awesome Experience"
      Kimberly has truly been a pleasure to work with throughout my bankruptcy process. She is very sweet, patient, and honest. She truly made this process so much easier to deal with and she put my fears to rest. She always responds to calls and emails promptly and her turnaround time with my case was amazing! I highly recommend her if you’re in need of an attorney.
      Donna Clarke
      Charlotte, NC
      "Of Course You Want The Best - Well Here She Is"
      My recent experience with Kimberly Sheek Law Office has been nothing but a positive one. I was very concerned about everything the bankruptcy process would entail. Mrs. Sheek was direct, detailed, always pleasant to speak with and always got back to me in a timely manner. She graciously walked me through every part of the process, clearly explaining my options, and clarified which steps I would need to take in order to cleanly go through with the legal proceedings. I highly recommend Mrs. Sheek to anyone in need of a Bankruptcy Attorney.
      Mary
      Huntersville, NC
      "Great attorney. Excellent service."
      Kim is an outstanding attorney she's very thorough in her work and in explaining bankruptcy proceedings I'm most grateful to her for helping me work through this issue and getting it behind me.
      M. Williams
      Charlotte, NC
      "NC"
      Kimberly A. Sheek is the best attorney ever! I was very nervous going into this bankruptcy procedure and had no idea what to expect. Kim assured me from day one that all would be well explained the procedures pretty much step by step to make sure I would be prepared. When I went to the creditors meeting, she came over and reassured me that I had nothing to worry about and she was right, as it took no more than 10 min at the most and went quite smoothly. I received my discharge papers right around the time she said I would. If you are looking for a qualified, smart, caring and educated BK Attorney, you cannot go wrong with Kim.
      Paulette B.
      Charlotte, NC
      "Good Experience"
      I was looking for a bankruptcy attorney for my daughter. Being new to the area I began searching the internet for one. After narrowing down my search, I selected Attorney Kimberly. When we met with her for the first time I felt confident that we had the right person. We were fearful going in but relaxed when we left. I really liked how she worked with my daughter, explaining how the different laws work so that my daughter had all of facts before making a decison. Even later when we had questions, Attorney Kimberly returned our calls or sent us an email. If you are looking for someone that will put your mind to rest, knowledgeable, friendly and concerned about YOU then I suggest you hire Attorney Kimberly Sheek.
      A. Thomas
      Charlotte, NC