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Bankruptcy Automatic Stay

Bankruptcy's Automatic Stay May Stop Creditor Harassment

For many bankruptcy filers, the automatic stay is like a breath of fresh air, putting an end to phone calls, letters and other forms of contact from creditors.

If you're struggling with debt, you're likely no stranger to contact from your angry creditors—phone calls, mail, harassing collection agents, even threats of repossession. Unfortunately, the stress of dealing with creditors only adds to the stress of watching your bills climb higher and higher.

Luckily, personal bankruptcy laws give you the power to silence these threats: the Automatic Stay. Once you file a bankruptcy petition, the automatic stay should stop creditors from contacting you about your debts—and punishes those who continue to harass you.

The automatic stay goes into effect once your petition is received by the bankruptcy court clerk‒usually without an official hearing or a judge.

To learn more about the automatic stay in action, visit the following pages:

  • Stop Creditor Harassment: How the automatic stay may put an end to phone calls, wage garnishment and foreclosure.
  • Filing for Bankruptcy: Discover how filing a bankruptcy petition generally triggers the automatic stay and protection from creditors.
  • Wage garnishment: Learn about the automatic stay's power to prevent creditors from garnishing wages.
  • Mortgage foreclosure: Find out how the automatic stay helps many homeowners stay in their homes.
  • Chapter 7 Bankruptcy: Could a discharge of unsecured debts be the solution to your financial difficulties?
  • Chapter 13 Bankruptcy: Could you catch up on past-due debts with a three-to-five-year repayment plan?

Discuss the Automatic Stay with a Local Bankruptcy Lawyer

Filing personal bankruptcy is a major decision, but for millions of Americans, it's the best way to deal with disintegrating finances.

Learn how bankruptcy could help you gain a fresh start by speaking with an attorney in your area. Arrange free consultation today by filling out our free case evaluation form or call us at 877-833-2410.

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