Debt is a frustrating beast. No one enjoys debt and losing control of it only [..]
Automatic Stay Attorneys
Skilled Bankruptcy Lawyer Explains How the Automatic Stay Stops Creditor Harassment for New Jersey Residents
When you are drowning in debt, the dreadful feeling you may get in the pit of your stomach every time the phone rings can be both unnerving and frustrating. Creditors want their money and they will be relentless in trying to collect it. However, when creditor collections feel like non-stop harassment, many people in New Jersey turn to bankruptcy. This is because, from the moment you file for Chapter 7 or Chapter 13 bankruptcy protection, an Automatic Stay prevents creditors from attempting to collect debts.
Whether you are facing mounting medical bills, unemployment or are in debt for any other reason, the Automatic Stay can bring you peace and calm. When the creditor harassment ceases, you can better focus on how to get through your bankruptcy and get out from under the mounting debt. Don’t spend another night tossing and turning and worrying about finances. Contact Brenner Spiller & Archer, LLP, for knowledgeable legal advice about filing for bankruptcy and the benefits of the Automatic Stay.
What is the Automatic Stay?
It’s not unusual for collection agencies to become ruthless in their actions as they attempt to get people to pay outstanding bills. Some even resort to constant calls with requests that border on illegal harassing behavior. While the Fair Debt Collection Practices Act (FDCPA) protects consumers in many ways such as limiting the times of day collectors can call and prohibiting calls to your workplace if you advise them not to, many companies violate those laws in an effort to coerce, and often frighten consumers, into paying debts.
The Automatic Stay is a provision in the US Bankruptcy Code. As soon as you file for bankruptcy, creditors must stop trying to collect debts from you. No more calls or emails. The Automatic Stay also prevents creditors and their hired collection agencies from pursuing legal action against you, at least temporarily. All foreclosure and repossession proceedings are frozen when a bankruptcy petition is filed.
When you file for bankruptcy, any actions intended to collect money from you by a creditor must cease immediately, thanks to the Automatic Stay provision.
It’s also important to know the FDCPA protects consumers against creditors that violate the Automatic Stay. When you choose Brenner Spiller & Archer, LLP, to handle your personal bankruptcy petition, you can rest assured that you will be protected from creditor harassment.
We will go after creditors that violate FDCPA guidelines. Once the Automatic Stay is in place, if you get a call, an email or a letter from a creditor, you can direct them to our office. We’ll take it from there. You won’t be hearing from them again anytime soon. We will remind them about the substantial penalties associated with violating an Automatic Stay.
Contact an Experienced Bankruptcy Lawyer in South Jersey Today to Find Out How Bankruptcy Can Put an End to Creditor Harassment and Mounting Debt
It’s important to understand that collection agents are just trying to do their jobs. They have been hired to do what it takes to get consumers to pay owed debts. However, their tactics can quickly feel like harassment. That’s when it’s time to contact a bankruptcy attorney who will protect your rights and make sure the non-stop collection attempts stop.
Contact Brenner Spiller & Archer, LLP, in Collingswood for a free, confidential consultation about your unmanageable debt. We will explain your options including Chapter 7 and Chapter 13 bankruptcy as well as alternatives to bankruptcy such as debt consolidation and debt settlement. We can make sure the harassment stops so you can stop worrying and focus on moving forward, past your debt, toward a fresh financial start.
We have fours offices located in Collingswood, Mt. Holly, Vineland and Freehold for your convenience. Contact us today and let us help you.