Bankruptcy

At one time or another all of us have been contacted by a bill collector. We forget to pay or fall behind on payments on credit cards, mortgages, cars, medical bills, or other situations involving bills.    Then, we get a letter or telephone call.  For some these calls can become a terror attack by their creditors.  The creditors are calling at all hours at home and work.  They are calling the neighbors, the family and employers.  They are obnoxious, condescending and downright rude when you do talk to them.  Despite the laws governing their actions many creditors and collection companies feel that an individual will not have the time, money or emotional strength to pursue them in court.  Therefore, they get away with the outrageous and, sometimes, illegal acts.