Ralph W. Wilkerson Attorney at Law twitter logo-blue box facebook logo-blue

MT: 406-690-8300 | AZ: 602-524-4329 

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Disputing debt amounts or asking that a collection agency abstain from contact during certain hours of the day is best handled by sending the debt collector a written notice.


With our attorney on your side you can route collection calls to our office. Once the proper paperwork is filed, the law prevents those parties from contacting you.

We protect you against abusive, unfair, and deceptive creditor practices

If you’re behind on credit card or automobile payments or have unpaid medical bills, you’re probably experiencing a high volume of calls from creditors. As a bankruptcy attorney with over 15 years of experience, our office has witnessed some remarkable instances of consumer intimidation.


You don't deserve to be endlessly harassed by creditors, no matter how much money you owe. Allow us to help you choose a bankruptcy plan that makes sense for your family so you don't have to avoid the phone any longer.

•  Use threats of violence or harm

•  Use obscene or profane language

•  Claim that you have committed a crime or threaten you

   with arrest

•  Misrepresent the amount you owe or say they’ll seize,

   garnish or sell your property

Representation doesn't have to cost a fortune. Allow us to provide you with a FREE consultation.

Unfortunately, creditors aren't concerned with your wellbeing; they are only concerned with receiving payment. We can help you put a stop to stressful creditor phone calls.


Intimidation techniques used by creditors

Send your complaints in writing

Don't allow collection agencies and creditors to threaten you with wage garnishments and legal action because they lack the ability to follow up on their claims.