Tired of the phone calls?  Are creditors calling you every day?  Are they calling your neighbors, friends, and family?  Are they calling you at work?  You have the power to make it all stop.
Under both Federal and State Laws, once a creditor is notified that you have legal representation, they must then direct all calls to your attorney and not to you.  Once you retain my office, I will prepare a Letter of Representation which you can use to send out to your creditors.  This will give you the much needed and immediate relief you deserve. After you have filed for either Chapter 7 or Chapter 13 bankruptcy, a creditor will receive notice of the filing.  After this notice is received, an automatic stay is put into effect.  This means that your creditors are not allowed to do anything in an attempt to collect on a debt during the time that the stay is in place.  Some of the types of forbidden actions are:
                                Calling your home or workplace                                 Sending threatening letters                                 Continuing to mail bills                                 Foreclosing on or repossessing a property                                 Wage Garnishment You do not have to face creditor harassment issues alone.  Contact us today for a free consultation to discuss your case.