Mango Bankruptcy Attorneys

It is never easy to decide to file bankruptcy but sometimes it is the only option. Creditors will call and try to collect your debt if you do not make timely payments. Creditors generally try to get their money by calling you repeatedly about making your payments. The continuous calls from creditors can be very stressful and annoying.

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

Your creditor cannot contact you by phone, mail or through a representative once you have filed. Your creditor does not have the authority to enforce a lien or take legal action against you. The United States legal system recognizes this law as true and valid and it is listed in Section 362 of the United States Bankruptcy Code.

  If you look in Section 362 it clearly states you are protected from debt collection proceedings once you file bankruptcy. Consumers should know that the bankruptcy courts have up to ten days to tell creditors about bankruptcy filings.

Regardless you are protected by law but sometimes creditors are not immediately aware of your bankruptcy situation. It is recommended that you contact your creditors and let them know of your situation as soon as possible. For many people the automatic stay may give them a little more time to take care of pressing financial matters. The automatic stay provides helps during foreclosure by halting the processing. Show your bankruptcy information to your creditors as soon as possible especially if your house has already been put on the market or has been sold.

Protection from wage garnishments and collection calls are just a few ways that the automatic stay law is beneficial. Any individuals who is involved in legal matters with a creditor due to an unpaid debt is protected from legal action. You should note that the automatic stay law does not protect consumers in certain situations.

Legal procedures such as criminal proceedings and convictions are not protected by the law. You should be aware that some IRS tax proceedings are not exempt and the IRS has the right to contact you for information and to collect unpaid debts.

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