Putting An End To Creditor Harassment

Bill collectors can be relentless, and some of the tactics they employ amount to harassment and abuse. While the law places restrictions on the activities of companies that pursue delinquent debts, some creditors and debt collectors often ignore the rules or pay only scant attention to them.

Many of the individuals who visit the law office of Ast & Schmidt, P.C., in Morristown, are desperate for some stress relief and for the daily collection calls to stop. Our attorneys have decades of experience helping clients stop creditor harassment by filing for Chapter 7 or Chapter 13 bankruptcy.

The Automatic Stay

If you receive calls from debt collectors at your home or work, your home is facing foreclosure, or your car could be repossessed. Filing for bankruptcy may be a choice worth considering.

When you take this course of action, the court issues an automatic stay that puts an immediate end to all collection activities. Bill collectors will no longer be able to harass you on the phone or send you threatening letters or emails. Even wage garnishment, lawsuits, evictions and foreclosure proceedings will be put on hold. Once your petition is filed, your creditors will be ordered to direct all further correspondence concerning your debts to your lawyers.

A Time To Regroup

The automatic stay prevents debtors from suffering further financial harm while their cases are pending, but peace of mind is its most immediate benefit. The stay will be in place the moment you file your bankruptcy petition. Debt collection companies that ignore it can face severe penalties. Bankruptcy judges tend to be especially sympathetic when debtors could lose their homes due to foreclosure or when auto finance companies are preparing to repossess their vehicles.

Take The First Step

Speaking with an experienced debt relief attorney in New Jersey could be the first step on the road to a brighter financial future. To find out how an automatic stay could provide you with some respite from bill collectors, please call 973-984-1300 or contact our firm online.

Ast & Schmidt, P.C., is a debt relief agency. We help individuals file for bankruptcy relief under the Bankruptcy Code. The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for individual advice regarding your own situation.