country so that no one would ever be sent either to any "Poorhouse" or to any "Debtor's Prison." A creditor that threatens you with this is counting on you being ignorant of the truth and of the law, and of American history.  

‣Threats to repossess property, foreclose on your home, garnish your paycheck or shut off your utilities, cable TV or cell phone, even when the debt has nothing to do with these services. They threaten, but they cannot accomplish these things. They may claim to have connections, but if they were to actually do any of these things, they as well as the people who help them would find themselves charged as criminals - and they know it. Their threats are illegal.  

‣Threats of physical harm to clients and their families. Again, these are the types of things loan sharks threaten. These threats are completely illegal.   

If anyone threatens you with something you know to be illegal, call your attorney immediately, call the Arkansas Attorney General, and call the Arkansas Better Business Bureau in your area. Behavior such as we describe above is not legal anywhere and is not to be tolerated from anyone.

When you declare bankruptcy, creditors are almost immediately barred from contacting you in most circumstances. Instead, they must go through your lawyer. In Chapter 7 bankruptcy, all exempt property is protected. In Chapter 13 bankruptcy, all property is protected.

Don't believe creditors when the claim they're on your side and "want to help you". Don't believe creditors when they say that if you use your last dollars to pay a portion of debt, they won't bother you.

OFFICE HOURS

Our office is open 8:30 to 5:00 Monday through Friday.

CONTACT INFORMATION

Arkansas Bankruptcy Associates, PLLC, offers evening and weekend appointments to our clients by request.

You can also contact us via e-mail or by filling out our online form.

Arkansas Bankruptcy Associates, PLLC is located at 8114 Cantrell Road, Suite 100, Little Rock, AR 72227, which is in Little Rock near the intersection of Cantrell Road and Foxcroft Road.

We represent clients in Little Rock, North Little Rock, Pulaski County, Benton, Bryant, Saline County Conway, Faulkner County, Cabot, Maumelle, Lonoke County, Sherwood, Otter Creek, Lonoke, Beebe, Searcy, Morrilton, Conway County, Mabelvale, Alma, Arkadelphia, Arkansas City, Ash Flat, Ashdown, Atkins, Augusta, Bald Knob, Barling, Barton, Batesville, Bauxite, Bearden, Beaver, Bee Branch, Bella Vista, Bentonville, Berryville, Bigelow, Biggers, Bismarck, Black Oak, Black Rock, Bluff City, Blytheville, Boles, Bono, Bonnerdale, Booneville, Boxley, Bradley, Branch, Brinkley, Brookland, Bruno, Buffalo City, Bull Shoals, Burlington, Canehill, Calico Rock, Camden, Carlisle, Carolan, Cave City, Centerton, Charleston, Cherokee Village, Clarendon, Clarksville, Clinton, Compton, Corning, Cotter, Crossett, Curtis, Cotton Plant, Cushman, Danville, Dardanelle, De Queen, De Witt, Decatur, Delaplaine, Dermott, Des Arc, Diamond City, Diaz, Donaldson, Dover, Dumas, Egypt, Elaine, El Dorado, Eudora, Eureka Springs, Evening Shade, Fayetteville, Fairfield Bay, Faircloth, Farmington, Fifty-Six, Fisher, Flippin, Floral, Fordyce, Forrest City, Fort Smith, Fountain Lake, Fouke, Friendship, Gassville, Gentry, Gosnell, Gravette, Greenbrier, Greenwood, Guion, Gurdon, Guy, Hamburg, Hampton, Hardy, Harrison, Heber Springs, Helena, Highland, Holly Mountain, Hope, Hot Springs, Horatio, Hoxie, Jacksonville, Jersey, Jonesboro, Keo, Kibler, Lake Village, Lake City, Lakeview, Lavaca, Leachville, Lead Hill, Leola, Leslie, Lincoln, Lockesburg, London, Lonsdale, Lowell, Madison, Magazine, Magnolia, Malvern, Mammoth Spring, Mansfield, Marianna, Marion, Marked Tree, Marmaduke, Marshall, Marvell, Mayflower, McGehee, Melbourne, Mena, Monticello, Morning Star, Mount George, Mount Holly, Mount Ida, Mountain Home, Mountain View, Mountainburg, Nashville, Natural Steps, Newport, Norfork, Nob Hill, Ola, Omaha, Osceola, Ozark, Palestine, Paragould, Paris, Pea Ridge, Peach Orchard, Perry, Perryville, Pfeiffer, Piggott, Pine Bluff, Pindall, Pocahontas, Poyen, Pottsville, Prairie Grove, Prescott, Pyatt, Quitman, Ravenden, Rector, Reed, Reno, Rocky, Rogers, Roland, Romance, Russellville, Salem, Scranton, Sedgwick, Sheridan, Shirley, Sidney, Siloam Springs, Smackover, Springdale, St. Joe, Stamps, Star City, Stuttgart, Subiaco, Sulphur Springs, Texarkana, Trumann, Tuckerman, Van Buren, Vilonia, Viola, Waldenburg, Waldron, Walnut Ridge, Warren, Weiner, West Fork, West Helena, West Memphis, White Hall, Wilton, Winslow, Wright, Wynne, Yellville, Arkansas County, Ashley County, Baxter County, Benton County, Boone County, Bradley County, Calhoun County, Carroll County, Chicot County, Clark County, Clay County, Cleburne County, Cleveland County, Columbia County, Craighead County, Crawford County, Crittenden County, Cross County, Dallas County, Desha County, Drew County, Franklin County, Fulton County, Garland County, Grant County, Greene County, Hempstead County, Hot Spring County, Howard County, Independence County, Izard County, Jackson County, Jefferson County, Johnson County, Lafayette County, Lawrence County, Lee County, Lincoln County, Little River County, Logan County, Madison County, Marion County, Miller County, Mississippi County, Monroe County, Montgomery County, Nevada County, Newton County, Ouachita County, Perry County, Phillips County, Pike County, Poinsett County, Polk County, Pope County, Prairie County, Randolph County, Scott County, Searcy County, Sebastian County, Sevier County, Sharp County, St. Francis County, Stone County, Union County, Van Buren County, Washington County, White County, Woodruff County, Yell County, and any other surrounding city or town.

WE ARE A DEBT RELIEF AGENCY AS DESIGNATED BY THE UNITED STATES BANKRUPTCY CODE. WE HELP PEOPLE FILE FOR RELIEF UNDER THE UNITED STATES BANKRUPTCY CODE.

Experienced Bankruptcy Attorneys

Stop Creditor Harassment

When you have no money to pay them, calls from creditors are intimidating.

At worst, creditors may actually use illegal tactics to collect from debtors like you.

We stop the debt collector from doing things like:

‣Visit neighbors of the debtor. If a creditor has actually sent someone to the door of a neighbor looking for a person who owed them money in an attempt to collect the debt, the creditor is behaving like a loan shark. Such behavior goes beyond intimidation. It is threatening, and it is illegal.  

‣Calls to the debtor's workplace. You feel humiliated because these people are calling you at work, demanding money from you. Your co-workers question what is going on. Eventually your boss catches on. The atmosphere created by these calls does not increase your pay, enabling you to pay the debt. It serves only to embarrass you in front of your co-workers. Your work quality and productivity may actually suffer to the point where your employer must fire you. If a creditor interferes with your job, it is interfering with your ability to pay the debt. Obviously, if you lose your job because of insistent creditor calls, it does neither you nor the creditor any good. The creditor's behavior is malicious, and illegal.  

‣Threats of jail or of criminal prosecution. Debtor's prison was abolished in Europe centuries ago, and has never existed in the United States. In fact, the Bankruptcy Code was established in this