Bankruptcy Can Stop all Collection Activities
If you are concerned about the foreclosure of your home or the repossession of your car, you know that you need to take decisive action as soon as possible. If you are receiving phone calls and letters from creditors that are causing you to fear answering the phone or going to the mailbox, the added stress can be significant. By filing for bankruptcy, you can stop all of these and other collection activities at once.
At the P.R. Smith Law Group in Tampa, our attorneys have filed more than 50,000 bankruptcies in more than 50 years of combined legal experience. We know how to stop collection efforts through bankruptcy. If creditors continue to pursue collection efforts, we can also help you take further legal action if necessary.
The Automatic Stay in Bankruptcy
When a person files a Chapter 7 or Chapter 13 bankruptcy in Florida, an automatic stay is created and put into place immediately. The automatic stay informs creditors that all collection actions must step immediately, including:
- Foreclosure
- Repossession
- Creditor phone calls, letters, e-mail and other harassment
- Lawsuits and judgments
- Wage garnishments
After bankruptcy is filed, we will deal with your creditors for you and defend your rights throughout the process. We will represent you at the scheduled 341 meeting with creditors, and if they continue to harass you, we will file the necessary motions for sanctions to take place.
Stop Creditor Harassment and Foreclosure in Florida
Once a bankruptcy is filed, an automatic stay is instituted that will stop any and all creditor actions from happening. This includes home foreclosure, the repossession of property, lawsuits and wage garnishment, as well as creditor phone calls and other harassment. In a nutshell, the automatic stay can provide immediate relief for those who are stressed out due to debt and are having to deal with the additional stress of creditor collection efforts.
An automatic stay will go into place regardless of the type of bankruptcy filed, including Chapter 7 and Chapter 13 bankruptcy.
Stop Creditor Harassment at Once
Filing bankruptcy is the quickest and most effective way to stop creditor harassment and other collection actions. If creditors continue to contact you or to pursue those collection actions, they are in violation of the Fair Debt Collection Practices Act, and you may be able to sue them for damages.
Our firm will file the necessary motions and pursue further legal action if creditors continue to harass you after you have filed for bankruptcy in Florida.
Contact Us for a Free Initial Consultation
If you are thinking about filing for bankruptcy, and you are sick of being harassed by debt collection agencies, contact our bankruptcy attorneys at the P.R. Smith Law Group to schedule a free initial consultation. Call our firm at 888-682-5251 or send us an e-mail to get started today.
