Bankruptcy: Freedom from the Bill Collectors
When you file for bankruptcy, you get an injunction against creditor harassment. They are required by law to stop contacting you and to halt any collection efforts or legal proceedings.
Sometimes creditors do not get the message. Certain collection agencies will continue to hound debtors. The law firm of Randolph N. Osherow, P.C. handles every aspect of your bankruptcy, including notifying your creditors and any additional action to stop creditor harassment once and for all.
Relief from Creditors
When you file for Chapter 7 or Chapter 13 bankruptcy, the Bankruptcy Court issues an automatic stay against all creditor actions:
- Home foreclosure*
- Vehicle repossession*
- Garnishment of wages or bank accounts
- Enforcement of monetary judgments
- Phone calls and letters
- Threats of lawsuits
*You must continue payments and pay any past due amounts. If you stop payments, creditors can seek relief from stay and re-start proceedings to take possession of your house or car.
Creditors might still contact you in the first few weeks after filing your bankruptcy. Collections are often turned over to an outside agency, and it takes time for the message to filter down. If you inform them you have filed bankruptcy, they will usually back off. Some will want proof, in which case you can refer them to your attorney.
If creditor harassment continues after verbal or written notification, the creditor or agency can be forced to pay monetary damages under the Fair Debt Collection Practices Act.
Put an End to Creditor Harassment
The stress of high debt is made worse by the constant phone calls and threatening letters. Call me at 888-846-5141 for a free initial consultation about your rights and your options in bankruptcy.
I have practiced as a bankruptcy lawyer for 25 years in the San Antonio, Texas area and Bexar County, and I have extensive experience in dealing with the IRS, lenders, credit card companies and other creditors and collection agents.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
