Stop Creditor Harassment in Memphis

Are collection calls, letters, and threats making your life miserable?

You do not have to live with the constant stress of creditor harassment. Federal law provides powerful protections for consumers in Memphis. At Arthur Ray Law Offices, we help you use the bankruptcy code to end the harassment and regain your peace of mind.

Put an Immediate End to the Calls

When you file for bankruptcy, creditors are legally forbidden from contacting you. The “Automatic Stay” prevents:

Harassing Phone Calls: No more calls at home or work.
Collection Letters: Creditors must stop sending demand notices.
Lawsuits & Garnishments: Pending legal actions against you are frozen.

Your Rights Under the Law

Creditors often use aggressive tactics that may violate the Fair Debt Collection Practices Act (FDCPA). By filing for bankruptcy, you shift the power back to yourself. Once you have retained Arthur Ray Law Offices, you can simply tell debt collectors: “I am filing for bankruptcy. Call my attorney.”