Working To End Creditor Harassment
Being in debt can affect all aspects of your life. Stress affects your health, marriage and even your ability to work. This situation is often made worse by the constant calls, letters and other contacts from creditors. Creditor harassment is embarrassing, unwelcome and sometimes illegal. However, an experienced bankruptcy lawyer can help you put an end to creditor harassment.
At Ambrogio, Pletter & Associates, LLC, in Stratford, Connecticut, our firm is dedicated to helping clients stop creditor harassment. We are sensitive to the needs of each and every one of our clients, handling our bankruptcy and creditor harassment cases according to each client’s specific needs, goals and situations. We have years of experience handling bankruptcy cases and can explain how bankruptcy can help stop the harassment you have been experiencing.
The Automatic Stay
After you have filed bankruptcy (either Chapter 7 or Chapter 13), your creditors are notified of the filing. Immediately upon filing bankruptcy, an automatic stay is put in place. This means that your creditors are forbidden from taking any action attempting to collect money from you during the time of the stay. Some forbidden — and illegal — actions include:
- Sending threatening letters
- Repeatedly calling your home or workplace
- Continuing to mail bills
- Foreclosing on or repossessing a property
- Wage garnishment