We Can Stop Creditor Harassment
At Vance P. Truman, Attorney at Law, in Medina, Ohio, we can help you put an immediate stop to all collection activities. From forcing creditor phone calls to cease, to halting foreclosure, we know how to use bankruptcy to help people avoid the seizure of their money and assets. We will analyze your situation to determine whether Chapter 7 or Chapter 13 bankruptcy is the best option for your particular situation. After that, we can work to secure the exact debt relief you need and put a stop to collection activities.
What Is The Automatic Stay?
All of the different chapters of the Bankruptcy Code provide what is called an automatic stay. The automatic stay puts an immediate halt to all collection activities as soon as bankruptcy papers are filed. Any further communications from creditors need to go through your attorney. Any creditors that continue to pursue collection activities against you face fines for each violation.
The automatic stay puts a halt to all collection activities, including:
- Wage garnishments – A forced reduction in pay can make an already difficult financial situation impossible. Losing a piece of the income that you desperately need to keep afloat can push someone over the edge.
- Repossession – Your car or truck may be the lifeline you need to get you to and from work. Losing your vehicle to repossession can have a domino effect that could lead to the loss of your job.
- Foreclosure – As your difficult debt situation worsens, your home may be threatened with foreclosure. By that point, many people have no additional resources left to fight to protect their homes. Bankruptcy and its automatic stay may be the best option for stopping the foreclosure process.
- Harassing phone calls and mail – Everyone is familiar with the way creditors harass people by phone and through the mail. For those with serious debt, the problem can be overwhelming. The automatic stay can stop all contact from creditors.
Call Us For The Help You Need
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.