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New Jersey Residents Hounded by Unscrupulous Debt Collectors

If you're behind on your debt payments, you know how unrelenting some debt collectors can be.

Both federal and New Jersey state law prohibit debt collectors from engaging in abusive, harassing or dishonest behavior. Unfortunately, many debt collectors choose to knowingly violate the law in an attempt to collect more money. Even though it is illegal, various forms of creditor harassment happen all the time.

For example, debt collectors are strictly prohibited from contacting third parties to discuss a debtor's obligations. However, many openly admit to calling debtor's relatives in the hopes that the relative will convince the debtor to pay. Some even say they have called debtors' neighbors to ask them to leave notes on the debtors' front door.

Other debt collectors have been known to trick debtors into renewing an expired statute of limitations. They advise debtors to make a small payment "to show they are trying," but fail to mention that even a minimal payment starts the limitations period all over again.

It is even more common for debt collectors to attempt to disrupt debtors' lives by calling excessively, leaving harassing or threatening messages, calling debtors at work or calling late at night.

Bankruptcy Will Stop Debt Collection Efforts

Many New Jersey residents end up feeling helpless in the face of such unrelenting debt collection efforts. What they don't realize is that there are a number of ways to get the debt collectors to stop.

Perhaps the easiest is to send a "cease letter." In it, the debtor simply tells the collector to stop all contact. The collector is required to comply, unless they are notifying the debtor of further collection efforts (such as a lawsuit).

Although it may stop collectors from calling, a cease letter does absolutely nothing to address the underlying debt. If you cannot pay your debt, your best option may be to file for bankruptcy.

A successful Chapter 7 bankruptcy will discharge most, if not all, of your outstanding debts and allow you to start over fresh. Filing for bankruptcy will also initiate an "automatic stay" that requires all debt collection efforts to stop until after your bankruptcy has been resolved.

If you are overwhelmed by debt or being hounded by debt collectors, waiting will likely only make your problems worse. Contact a New Jersey bankruptcy attorney who can help you understand your options.


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  • NACBA | National Association of Consumer Bankruptcy Attorneys
  • NACA | National Association of Consumer Advocates
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Goldman & Beslow LLC

Goldman & Beslow, LLC is a Federal Debt Relief Agency by an Act of Congress. We have proudly assisted consumers seeking relief under the U.S. Bankruptcy Code for over 38 years.

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7 Glenwood Avenue,
Suite 311B
East Orange, NJ 07017
East Orange Law Office

Phone: 973-414-8069
Phone: 973-419-7631
Phone: 973-419-5266
Phone: 201-205-2496
Toll Free: 888-827-5493
Fax: 973-675-5886
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NEWARK OFFICE 168 Bloomfield Avenue
Newark, NJ 07104
Newark Law Office

Phone: 973-483-1333
Phone: 973-419-5266
Phone: 201-205-2496
Toll Free: 888-827-5493
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PATERSON OFFICE 100 Hamilton Plaza,
Suite 405
Paterson, NJ 07510
Paterson Law Office

Phone: 973-247-9445
Phone: 973-419-5266
Phone: 201-205-2496
Toll Free: 888-827-5493
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JERSEY CITY OFFICE 26 Journal Square,
Suite 603
Jersey City, NJ 07306
Jersey City Law Office

Phone: 201-659-6226
Phone: 973-419-5266
Phone: 201-205-2496
Toll Free: 888-827-5493
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