How To Stop Collection Activities
If you have unplugged your phone and stopped picking up the mail as collection agencies step up their aggressive tactics. The threats may become more than you can handle. You need to know that you can stop it.
We can help you put an immediate stop to creditor harassment by helping you file for bankruptcy protection. The Law Offices of Brian A. Barboza serves the North Bay through Wine Country from offices in Santa Rosa. As soon as you retain us, you can start referring your creditors to us.
Schedule a free initial consultation at one of our California offices today. Call us at 707-304-5251, toll-free at contact our office , or send us a message online.
An “automatic stay” will stop all creditor harassment, including phone calls and letters. By law, creditors will not be able to contact you during the bankruptcy process. When the process is complete, they will have no reason to contact you, because your debt will be discharged.
What Is The Effect On Home Foreclosure?
If you are behind on payments, but have income and hope to keep your home, Chapter 13 bankruptcy could be the best option. A repayment plan could allow you to pay your basic living expenses while catching up on missed payments.
In other situations when you no longer have the resources to afford a home, it may be better to walk away from the home. A Chapter 7 bankruptcy filing will halt the foreclosure process, but only temporarily.
We can help you decide which option makes the most sense for you.
Can You Stop Repossession?
The automatic stay prevents a loan company from repossessing your vehicle. This is temporary but provides you with time to determine the best course of action moving forward.
In a Chapter 7 bankruptcy, you can reaffirm the auto loan, if you need to save the car to get to work or medical appointments. With a Chapter 13 bankruptcy filing, you are able to keep your vehicle as long as you can pay the amount past due gradually over three to five years.
Judgments And Wage Garnishment
When a credit card or medical debt goes to collections, a judgment may allow the collection company to garnish your wages. Even if you have only received notice of a creditor lawsuit, bankruptcy can stop the court process. If the garnishment has not yet started, it will be prevented by filing bankruptcy.
If your wages have already been garnished, a portion of your paycheck will automatically be taken until you fight it. Filing for Chapter 7 or Chapter 13 bankruptcy relief stops wage garnishment. Then we’ll work with you to find a solution to resolve underlying debt issues.
What About Liens And Levies?
Tax debt, for example, may result in a lien being placed against your property. Liens are challenging and require the right approach. But we know how to deal with them.
A levy can lead the bank to freeze your bank account. You need to act quickly or your assets could be seized. Filing for bankruptcy protection will prevent creditors from draining your bank accounts. Furthermore, if the debt is discharged in bankruptcy, creditors will be forever barred from levying your accounts.
Request A Free Initial Consultation Now
Put a stop to stressful collection activities by seeking help today. Set up an appointment by calling 707-304-5251 .
We are a debt relief agency. We help people file for bankruptcy relief under the U.S. Bankruptcy Code.