How to Stop Creditors - Fresno Area Bankruptcy
Most individuals never consider their creditors' debt collection practices until after they've already started falling behind. The continual phone calls at work and at home, email notices, and mailed demands for payment can cause severe stress. The constant dread that many individuals feel when they fall into debt is often directly related to the unscrupulous collection practices of the creditors they owe. Make no mistake, creditors do have a right to attempt to collect on their debts, and oftentimes it may seem that there is nothing you can do except endure the collection attempts as they come. Even if your creditors follow the laws set in place for fair debt collection, you may still be worried over repossessions, garnishment, and levies, not to mention legal judgments that your creditors may pursue.
Fortunately, there is a way to stop creditor collection attempts, and give yourself some much-needed breathing room. The moment you file for bankruptcy, an automatic stay goes into place, effectively ending the harassing phone calls, letters, and other collection activity that may be in progress. The automatic stay can even temporarily halt foreclosure proceedings, giving you a chance to work with your lender before your house is sold.
The automatic stay lasts for the duration of your bankruptcy case, and once your case is closed, a permanent injunction is put into place, barring further collection attempts on any debts which were discharged as a part of your Fresno County bankruptcy case. This means permanent relief from creditor collection attempts, harassment, and notices. The peace of mind that comes from knowing you're debt free and able to make a fresh start is priceless. And if for some reason a creditor does attempt to collect on a debt while the automatic stay is in place, you may be entitled to recover damages in excess of the amount you owe.
For most individuals, the automatic stay will go into place without any additional actions necessary. However, for some individuals, it may be necessary to request the automatic stay in order for it to go into effect. This is typically true for individuals who have had a bankruptcy case dismissed in the past year. Preserving your automatic stay is just one of the many reasons you should consider hiring a competent, experienced Fresno County Bankruptcy Attorney to handle your case. Our law firm is made up of attorneys who specialize in Fresno County bankruptcy law, and we understand the special considerations necessary in order to ensure that the automatic stay is available in your case, even if you have had a bankruptcy dismissed in the past.
Contact our premier Fresno County Bankruptcy Law Firm today and arrange for your free initial case evaluation as soon as possible. The sooner you begin your bankruptcy filing, the sooner you can have sustained relief from creditors and their collection practices.