Automatic Stay in Kansas
Are Creditors Hounding You? Let a Topeka Bankruptcy Lawyer Help
The pressure of constant harassment from creditors and debt collectors
is what drives many folks to our office. Creditors compete with each other
for your money and many of them use aggressive methods to scare or embarrass
you. This can cause additional stress to you and your family.
Once you retain a Topeka
bankruptcy lawyer from Garrett Law LLC to represent you in a bankruptcy case, we
will begin to handle your creditors.
We ask that you forward all debt collection calls to our office so that
we may deal with the creditors for you. However, this is only a temporary
solution. Bankruptcy will permanently stop most, if not all, of your creditors.
What is the automatic stay?
Once we file your bankruptcy petition, a bankruptcy rule called the automatic stay
goes into effect. The automatic stay prohibits creditors from taking any
action to collect on a debt. This means creditors and debt collectors
are required to stop all phone calls, letters, garnishments, automatic
withdrawals, and lawsuits. Basically, all actions related to your debts
are put on hold until the Court grants or denies the forgiveness of your debts.
There are a few exceptions
that are not covered by the automatic stay:
- Criminal proceedings
- Child support collections
- Landlord eviction actions
- Loans against retirement accounts
- Use of your tax refund to pay back taxes
If you have any of these issues, you can expect to deal with them outside
The bankruptcy filing is what protects you.
The automatic stay does not go into effect until the day we file your bankruptcy
case. Garnishments and other collection activity will continue until the
case is filed. The sooner you get started preparing your bankruptcy case,
the sooner we can help you regain control of your money, property, and
peace of mind. Contact us by phone or online for advice on how to get
relief from your creditors.
There is hope for you and your family. Find it with help from Garrett Law LLC.