How it Works

Stop Harassment From Creditors

 STOP Creditor Harassment NOW!


Do you have creditors and collection agencies calling you every single day? Are you tired of receiving harassing phone calls from bill collectors? Are you afraid to pick up the phone and talk to creditors? Don’t have the enough income or money to pay, but want to stop the harassment and collection calls? An experienced lawyer can help you stop collection actions and levy actions by creditors.


We are aware that most creditors and collection agencies call multiple times a day. Some unscrupulous collection agencies ignore the law and even threaten you, call in the middle of the night, and attempt to intimidate you into paying a bill you cannot afford to pay.


If you have been victimized by those creditors and collection agencies, you should seek advice immediately from an experienced debt relief lawyer to determine how the bankruptcy laws can help you.


Stop Collection Efforts


If you fall behind on your bills and credit card payments, the bankruptcy laws can stop creditor harassment and collection efforts, including:


  • Home foreclosure efforts
  • Repossession
  • Garnishments (including IRS garnishments and student loan garnishments)
  • Threatening phone calls
  • Creditor and collection agency harassment


Filing a Chapter 7 and Chapter 13 bankruptcy can immediately stop creditors and collection agencies’ collection efforts. When you file for bankruptcy protection, an automatic stay stops creditors from seeking collections without permission from the court.  Because bankruptcy laws are complicated, you should discuss your situation with an experienced bankruptcy lawyer.  In addition to bankruptcy, we can help you find other ways to stop creditor harassment, such as loan modifications


We Can Help You!


It’s time to explore your options and learn about the bankruptcy process or discuss your situation with Attorney Lozano.


At Lozano Law Offices, we provide experienced bankruptcy representation and sound advice about bankruptcy and how to stop harassing phone calls and collection actions.  We will provide you with leverage in dealing with collection agencies while protecting your interests and guiding you through the complexities of the bankruptcy laws and processes.  We understand what you are going through, that is why we provide a casual and relaxed environment so we can go through with you resolve your financial hardships STRESS-FREE!


We are open from Monday through Friday from 8:30 a.m. to 5:30 p.m.  We offer weekend appointments as well.  Please call now at (510) 538-7188 to schedule a free initial consultation or you may contact us online.


Our offices in Hayward, San Jose, and Cerritos have bilingual staff that can quickly respond to your questions and concerns as you explore bankruptcy or bankruptcy alternatives.  More importantly, Attorney Crispin Lozano works to build a trusting relationship with each client. In fact, a majority of our clients come from referrals from previous and current clients.

Toll Free 1-877-4LOZANO for free consultation or Schedule an Appointment