Stop Harassing Phone Calls, Collection Letters and Lawsuits. Regain Your Peace of Mind! an end to the stress and worrying!  Bankruptcy stops harassing phone calls, threatening collection letters as well as lawsuits.  How is this possible?

A petition for bankruptcy gives a person the immediate protection of the Bankruptcy Code’s Automatic Stay, which prevents creditors from taking any action to collect a debt from a bankruptcy debtor.  The imposition of the Automatic Stay is a powerful and dramatic legal remedy you have to stop creditor harassment or creditors’ attempts to collect debts.  The Automatic Stay takes effect the instant the bankruptcy petition is filed, and from that moment the debtor’s property is placed under the protection of the Bankruptcy Court.  Some of the actions creditors and debt collectors are prohibited from taking once the petition is filed include:

  • Any act to collect or recover a claim against you that arose before the bankruptcy case was filed;
  • The commencement or continuation of a civil law suit against you by which the creditor seeks to recover money.  In other words, lawsuits to collect credit card debts or to garnish your wages or bank accounts;
  • Any foreclosure actions; and
  • Any actions to repossess your cars or other automobiles and personal property.

In addition to the Automatic Stay, bankruptcy provides many other powerful tools and protections for individual consumers who need relief from their debts, protection from their creditors and a fresh financial start.  If you are struggling with your debts or if you are being pursued by your creditors, call to schedule a consultation to learn your options and how bankruptcy may help you.  You may not need to live with the stress and worry any longer.

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Copyright 2013-2015 © Louis A. Hernandez, P.A. The selection of an attorney should not be based solely on an advertisement. By creating this website, Louis A. Hernandez, P.A. does not intend to practice law in any jurisdiction where it is not licensed. This website has been prepared to provide general information about the firm, and its content does not constitute legal advice nor should anything herein be considered a legal opinion. Correspondence with the firm via e-mail or receipt of materials provided by the firm through this website does not create an attorney-client relationship with this firm. We are a debt relief agency. We help people file for bankruptcy under the U.S. bankruptcy code.