One of the main benefits of filing a bankruptcy petition is automatic stay. Automatic stay means a court-ordered stay of all collection efforts by all creditors. This also includes wage garnishment. Sounds good? That’s exactly what you’ll get when you file for bankruptcy. This reprieve from harassment by creditors will give you much needed relief from stress as you grapple with your financial problems and find a solution.
The great thing is that bankruptcy itself is your solution to financial problems. Through bankruptcy, all your debts can either be paid off or forgiven, giving you a fresh start financially. When you file your petition the bankruptcy court will send a notice to your creditors making them aware of your filing status. Creditors will have to immediately comply with the automatic stay.
But sometimes, you may still receive calls or bills in the mail because the creditor(s) is not aware of your bankruptcy petition yet. But if they continue to harass you by phone or mail even after knowing you have filed for bankruptcy, you should immediately contact your bankruptcy attorney. You do not have to entertain any calls or emails from any creditors once bankruptcy proceedings begin.
You can call us at (813) 200 4133 for a free consultation on bankruptcy and for help to get creditors off your back. You should keep a record of all collection attempts by the creditors and discuss it with us. In some cases, some creditors may attempt to collect from you after the debt has been discharged, which is illegal. You can take legal action on the creditors if collection attempts continue during your bankruptcy. This may include taking the creditor to court and or being awarded punitive damages for violation of the bankruptcy code.