Our Onondaga and Westchester County Bankruptcy Firm Can Halt Collections
When your debt payments are delinquent, you will start to get phone calls from your creditors. They want to know why you are not making your payments and when you are going to make your next one. If you are seriously delinquent, you may receive several calls per day from different creditors until you are afraid to pick up the phone. You know you need help, but you are afraid of filing a Chapter 7 or Chapter 13 bankruptcy because you think it will hurt your credit irreparably or because you think filing bankruptcy makes you a deadbeat or a bad person.
You may see or hear television or radio advertisements for debt settlement organizations and start to feel hopeful. These types of companies make claims that they can reduce the balances on your debts for low monthly payments and help you get debt free. They tell you to avoid bankruptcy by using their services.
The problems with these programs are many, from tax liability to out of pocket expenses. One of the biggest problems, however, is that these programs do not stop creditors from collecting from you.
No matter what kinds of negotiations a debt settlement company enters on your behalf, nothing the company does can legally stop your creditors. If you want creditor calls to stop by force of law, bankruptcy is the answer. Our Onondaga and Westchester County bankruptcy attorney can help you discharge or reorganize your debt through the courts and stop collection activity.
The instant you file your bankruptcy, the law prohibits your creditors from any collection activity because of the automatic stay. The automatic stay is a stay against collection calls, collection letters, collection lawsuits and collection judgments. If your creditors contact you after you have filed bankruptcy and they have not received court permission to do so, they are in violation of federal law. Whether you file a Chapter 7 case or a Chapter 13 case, the automatic stay will protect you from the constant phone calls.
If you want to stop creditor calls immediately,
contact Onondaga and Westchester County bankruptcy lawyer Theodore Araujo
and schedule an appointment. The consultation is free, so you have nothing to lose. Let the Bankruptcy Law Center help you stop creditor calls and start enjoying your life with a fresh start in bankruptcy.