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.

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.

Our Topeka bankruptcy lawyer from Garrett Law LLC is able to help you handle your creditors once the automatic stay is initiated.  Call (888) 253-4526 for a free consultation.

What Is the Automatic Stay?

Once we file your bankruptcy petition under Chapter 7 or Chapter 13, 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.

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.

Read Our Reviews

Real Stories From Clients Who Found Financial Freedom
    "Very calm, informed and easy to understand"
    I simply had a question regarding an investment property I had and what would be my best solution to a problem as it was becoming more and more of a financial burden. Shannon answered my questions and pointed me in a better suited direction. Very calm, informed and easy to understand. He did not try to get me to agree to services I didn't need rather helped how he could and offered his assistance should I need it in the future.
    - D.H
    "Goes above and beyond to provide great value for clients"
    Shannon Garrett is my go to referral for Bankruptcy Cases in Topeka. He really goes above and beyond to provide great value for clients. Anyone who chooses Shannon to represent them has made a great choice.
    - J.J
    "We had a wonderful experience with Garrett Law!"
    We had a wonderful experience with Garrett Law! Definitely would recommend. Mr Garret and his staff are very knowledgeable and caring definitely make the process easy and painless! Highly recommend
    - B.H.
    "I was treated with dignity and respect and it really helped me to learn to hold my head up high."
    Shannon and his staff made something that is extremely stressful, much less stressful. I was treated with dignity and respect and it really helped me to learn to hold my head up high. Thank you, Shannon and staff for helping me get back on the road to financial independence.
    - R. F.
    "Garrett Law is amazing!"
    Garrett Law is amazing! Very professional, kind and educated staff. Going into a bankruptcy is never easy for anyone. I had a very dear friend recently go through it, and used Garrett Law. It was very frustrating and the unknown for him was fearful. After his first visit with them, all of that was lifted off his shoulders. From the pleasant greeting at the receptionist desk, to the legal paperwork, everything was handled with great care. He was never once judged nor looked down upon. They are all truly there to make peoples life better, and they show you how! He is more responsible now, less stressed. It is sooooo great to see that my friend is back and happy! I know he will forever be grateful for all they have done for him and his future.
    - L.R
    "A delight to work with!"
    The group in this office were a delight to work with. If I had a question and called the office which ever one of the group answered the phone they were always answered my question and believe when you are a Senior you have a lot of dump question. I have never worked with a nicer group of people
    - D.C.
    "Highly recommend them!!"
    Absolutely enjoyed working with Garrett Law, him and his staff were wonderful through the process and very knowledgeable.
    - B.H.
    "We are now on our way to being home owners slowly but surely!"
    I am very fortunate to have met Mr.Garrett, three years ago I felt so hopeless every time I thought about all the medical bills I owed & how this would affect my future.
    - J.W.