You’ve fallen behind on your credit card payments due to financial insolvency and a massive debt load. You know that you need to pay, but are way over your head. Then, you start receiving texts and emails from creditors urging you to pay up.

What’s going on? This may become the new normal if the proposed changes to methods of communicating with debtors are implemented by the Consumer Financial Protection Bureau (CFPB).

For many in the industry, it’s the natural evolution of debt-collection methods to reflect the current practices and usage. After all, the CFPB argues, when Congress passed the Fair Debt Collection Practices Act in 1977, there was no concept of emailing or texting. In fact, Steve Jobs had just rolled out the Apple II to a bemused population who still ducked into ever-present phone booths when they needed to make a call away from home.

So, while an upgrade may be definitely needed to the nation’s allowed collection efforts, there is also a worry that debt collectors will start bombarding consumers with a deluge of texts and emails about paying off their debts.

Sometimes, no matter what a consumer debtor does, it is insufficient to get out from under a heavy mountain of debt. If you are worried about no longer being able to afford to meet your monthly financial obligations, it’s time to take the bull by the horns and fight back with all the resources in your arsenal.

Filing for a Chapter 13 bankruptcy can provide some of the breathing room that you need to regain control over your debts. An Indianapolis bankruptcy law attorney can steer you in the right direction toward financial freedom.