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Creditors and debt collectors are allowed to interact with you reasonably to recover the money you owe them. Unfortunately, some creditors and debt collection agencies cross the line by using deceptive means and intimidating methods. This may be considered creditor harassment. If you are going through financial adversity and you’re overwhelmed with continuous calls and letters from debt collectors, it is crucial to consult with an experienced Georgia bankruptcy attorney.

At Pytte Law, I have dedicated my career to providing outstanding representation to clients in bankruptcy-related matters. I can protect your rights and help you understand your bankruptcy options. Also, I can handle any ongoing creditor harassment and negotiate with creditors to set up the best possible arrangement for your unique financial situation.

Pytte Law proudly serves clients throughout Savannah, Georgia, and the surrounding communities of Hinesville, Statesboro, Ludowici, and Chatham County.

What is Creditor Harassment?

Creditor harassment is a term used to describe the deceptive, unethical, and threatening methods used by creditors and debt collectors to request the money you owe them. Creditor harassment involves all provocative actions, including abusing, intimidating, coercing, bullying, or browbeating debtors or consumers into paying off their debts.

What’s more, creditor harassment could happen through emails, over the phone, direct mail, texts, or demand letters. If you haven’t filed for bankruptcy, creditors can reach out to you through calls, letters, or texts between 8 a.m. and 9 p.m. However, contacting you repeatedly within a short period isn’t acceptable. Likewise, talking to your friends, employers, or neighbors about your debt may also be considered creditor harassment.



Will Filing for Bankruptcy Stop Creditor Harassment?

Yes. According to U.S. bankruptcy law, once a debtor petitions for any bankruptcy option, creditors must stop all forms of debt collection efforts immediately. Once you’ve filed for bankruptcy, an “automatic stay” goes into effect.

An automatic stay in bankruptcy is a federal court injunction that prevents creditors and debt collectors from contacting consumers or debtors after filing for bankruptcy. The injunction explicitly states that creditors are not allowed to:

  • Call you

  • Send letters, texts, or emails

  • Repossess your collateral

  • Foreclose on your home

  • Place a lien on your property

  • Continue or file a lawsuit

The automatic stay order protects consumers from all creditor harassment means, including frequent phone calls, demand letters, emails, and texts. Harassing you after filing bankruptcy may be considered illegal. If a creditor or debt collection agency ignores the automatic stay order and continues to call or harass you, reach out to your Georgia bankruptcy attorney as soon as possible to protect your rights.

How a Bankruptcy Attorney Can Help

According to The American Bankruptcy Institute, in 2019, there were about 43,663 business and non-business bankruptcy filings in Georgia. Filing for bankruptcy is a huge decision that requires proper guidance. Although you are well within your rights to file for bankruptcy on your own, it is not advisable to navigate the complicated bankruptcy process alone. Having an experienced attorney that understands the nuances of bankruptcy law is crucial to protect your rights.

As an experienced bankruptcy attorney, I can help you with the following:

  • Review your case to determine the bankruptcy option you qualify for and best fits your needs – Chapter 7 or Chapter 13

  • Guide you through the filing process

  • Negotiate to set up the best possible arrangement for your unique financial situation

  • Handle any ongoing creditor harassment

Also, I will advise you on how to rebuild your credit, avoid common pitfalls, and take adequate precautions to avoid future financial dilemmas. Call Pytte Law today to receive proper guidance and advocacy from a knowledgeable Georgia bankruptcy attorney.


Don’t let harassing creditor calls and demand letters from creditors overwhelm you or cause you stress. If you continue to receive harassing calls, emails, texts, and demand letters from creditors or debt collectors, call Pytte Law today to schedule a one-on-one consultation. I can help you fight to protect your rights and help you handle any ongoing creditor harassment. I am proud to serve clients throughout Savannah, Hinesville, Statesboro, Ludowici, and Chatham County, Georgia.