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Rochester Bankruptcy Law Blog

Don't let financial problems get you down

Some say money makes the world go 'round. Others claim it's the bane of their existence. You may fall somewhere in between these two schools of thought, perhaps depending on the current state of your finances. It's easy to become discouraged or feel overwhelmed when a financial crisis hits. It's also not uncommon, especially in New York and other high-cost-of-living states. A key factor to getting back on your feet is knowing what options are available to help you overcome serious financial problems.

The good news is that there are usually several options available. Most financial snags are reparable. You may be able to regain your footing by implementing a simple restructuring of your payment plan. Then again, some situations call for stronger solutions. You can take comfort in knowing there are support networks available to help you determine which options may best fit your particular needs.

Was the credit collection call you received valid?

If you use your credit card to purchase items online or in person in a New York department store and never make an effort to satisfy your debt, collections agencies have the right to contact you to attempt to secure payment. However, just because you have an existing balance on one or more credit cards does not mean people can hound you with phone calls and use aggressive, harassing tones to pressure you into taking some type of action.

There are also scammers out there, so the mere fact that someone on the other end of your phone line claims to be a creditor who is trying to collect a debt doesn't mean it's genuine. There are certain steps you can take to get a better feel for whether you think you are dealing with a valid phone call or someone who is harassing you. Knowing your rights and where to turn to for help to address relentless creditor issues are the first steps in the right direction.

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Rochester Office
1425 Jefferson Road
Henrietta Office
Rochester, NY 14623

Toll Free: 855-232-9200
Phone: 585-232-7560
Fax: 585-232-7564
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Greece Office
Greece Office
2450 Ridge Road West
Suite 102
Rochester, NY 14626

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Fairport Office
Fairport Office
115 N. Main Street
Fairport, NY 14450

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Phone: 585-232-7560
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