Carrollwood Bankruptcy Firm

Filing for bankruptcy is never easy but sometimes it is the only way. When you do not make your payments on time creditors will call repeatedly and try to collect your debt. Various companies will probably call you several times per day in reference to you paying off your debt. The numerous calls are very stressful and annoying.

Once you file bankruptcy you are protected from creditor debt collection calls by law. The Automatic Stay Law makes it illegal for creditors to continuously harass consumers once 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.

Once you have filed creditors are prohibited from contacting you by mail, phone or through a third party representative once you have filed bankruptcy. 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.

  Once you file bankruptcy immediate protection from creditor calls begins according to Section 362. After you file bankruptcy, the court has up to ten days to formally notify your creditors of the proceedings.

You are protected by the automatic stay law, but your creditors may not be aware you have filed. You are recommended to contact each creditor and tell them about your bankruptcy immediately. The automatic stay may give you a little more time to take care of important financial matters. If your home is in foreclosure the automatic stay will stop the proceedings. If your house is on the market or about to be sold it is important that you share your bankruptcy information with your creditor.

According to the automatic stay laws consumers are protecting from wage garnishments and harassing collection calls. Any individuals who is involved in legal matters with a creditor due to an unpaid debt is protected from legal action. You should be aware of the situations where the automatic stay law does not apply

Legal procedures such as criminal proceedings and convictions are not protected by the law. In certain cases the IRS has the right to contact a consumer regarding financial information as well as payment for 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