North Tampa Bankruptcy Lawyer

Filing for bankruptcy is never easy but sometimes it is the only way. Creditors will call and try to collect your debt if you do not make timely payments. You make get numerous calls per day from various companies about paying off your debt. The high call volume is stressful and aggravating.

By law, individuals who file bankruptcy are protected from harassing creditor calls. The Automatic Stay Law makes it illegal for creditors to continuously harass consumers once they have filed bankruptcy. Regardless of the amount of the debt the creditor must refrain from contacting the consumer about debt once it has become part of a bankruptcy proceeding.

Creditors are not allowed to contact consumers by phone, mail or through a third party representative once the individual has filed for bankruptcy. Creditors are also prevented from enforcing any liens or starting legal action. The legal system upholds this law and it is located in Section 362 of the United States Bankruptcy Code.

You can find more information here if you are curious or think your rights have been violated. Your immediate protection from your creditors begins as soon as you file bankruptcy. Consumers should know that the bankruptcy courts have up to ten days to tell creditors about bankruptcy filings.

Though you are still protected by law but your creditors may not be aware of your situation immediately. As a good rule of thumb you should contact each of your creditors and inform them about your current situation. The automatic stay gives consumers a chance to handles pressing financial matters. If you are facing foreclosure the automatic stay will halt the proceedings. You should show your creditor your bankruptcy documentation especially if your house is already on the market or about to be sold.

The automatic stay law is very beneficial because it protects consumers from wage garnishments as well as harassing collection calls. For those individuals who are being sued by their debtors the automatic stay protects them against this type of legal action. It is important to note that the automatic stay cannot protect consumers involved in certain situations.

Criminal proceedings and convictions are not protected by this law. You should be aware that the IRS does occasionally have the right in certain tax proceedings to contact you for financial information or to collect a debt.

Tampa Bankruptcy Attorney, Darrin T. Mish is the founder of the Tampa Bay Bankruptcy Center,P.A. for almost twenty years, Mr. Mish has been a sealous advocate for debtors throughout the State of Florida. Call For a free consultation at (813) 200-4133 or vist hs website at : Tampa Bankruptcy Pro