When a debtor files for bankruptcy, the protections afforded under the “automatic stay” of the Bankruptcy code take effect. The automatic stay stops all collection actions against a debtor, including lawsuits, foreclosures, garnishments, levies, monthly bills, and especially calls and letters from creditors. It also may stop a pending eviction depending on the circumstances.
Thus, filing for bankruptcy will make creditors’ harassing contacts stop. In fact, once you retain the legal services of an attorney in preparation of a bankruptcy filing, creditors should not contact the debtor due to the representation of the attorney. The debtor should immediately advise creditors that an attorney has been retained in preparation of a bankruptcy filing.
Due to the complexities of filing for bankruptcy it is always highly advised to select a qualified attorney who is experienced in bankruptcy law to represent the debtor. Feel free to contact my office to make an appointment to discuss your bankruptcy concerns. I make it my goal to provide each client the dedicated time and experience for his/her bankruptcy concerns.