It can feel like a helpless situation. You're struggling with debt, which is hard enough as it is, trying to make payments while providing for yourself and your family. But then you get constant phone calls at all hours, official-looking letters in the mail, maybe even your friends and family in Wayne County have been contacted by your creditors looking to collect. Some of these communications may have left you feeling threatened in some way.
In any case, you are sick of it and you need it to stop. What can you do? Fortunately, there are a number of important legal protections of which you need to be aware. One is the Fair Debt Collection Practices Act, which limits what kinds of tactics your creditors can use in communicating with you. Another is the automatic stay provided under Chapter 7 bankruptcy.