Having to worry about bill collectors calling you is an awful feeling. When you have crushing debts, you have to think about what you are going to do to get them to stop. The answer isn’t always easy. For some individuals, the only way out of the situation is to file for bankruptcy. It relieves a great deal of stress. Creditors must leave you alone as soon as you file.
No one ever wants to file, but there are times when it is in your best interest. Having to fight court battles when creditors sue you can be taxing and expensive. If you don’t want to deal with that, you might need to consider filing for bankruptcy so that you can get back on top of your finances. Just call the office and you can schedule a free, initial consultation to go over the options.
The good news here is that when you file for bankruptcy, you will get to enjoy the automatic stay. This means that creditors can’t contact you to demand money since you have filed for bankruptcy. The protection covers phone calls, emails, mailed messages and any form of communication.
Of course, you will also have responsibilities. If you have a Chapter 13 case, you will have to make the payments to the trustee. No matter what type of bankruptcy you file, you will have to live with the impact to your credit. This will include rebuilding your credit history, so you can use credit responsibly later.
It is always best to review the options that you have in these cases. Make sure that you’ve considered all the impacts before you make a decision. When you are ready to file, we are here to help you through the process.