Stop Creditor From Harassing
Stop Bill Collection Harassment
Due to covid-19 in 2020, our Wisconsin governor directed creditors to change how they pursued past due balances. These consumer protections are temporary. Bill collectors are already contacting some consumers for unpaid balances. If you are tired of the fear that strikes you every time the phone rings because it might be a bill collector, or the sick feeling when there are past due notices or demand letters in the mail – we can help. Under federal law, once you file for bankruptcy, all collection activity is required to stop immediately. Furthermore, we can help you sue creditors that break the law.
Bankruptcy To Prevent Legal Actions
If debt isn’t paid, any silence will be short-lived. Keep in mind, The best way to stop debt collectors is to have a debt resolution or repayment plan in place. Consider Chapter 7 or Chapter 13. Filing bankruptcy offers protection for Wisconsin residents who are in serious debt. As soon as bankruptcy is declared, the “automatic stay” is set forth which can stop the actions noted below. For serious debt, bankruptcy has the most effective means to stop legal actions against your property and wages. Timing is of the utmost importance.
- Prevent Foreclosure
- Stop Debt Collector
- Avoid Car Repos
- End Wage Garnishments
- Keep Utilities On
- Read more about how bankruptcy can protect you.
What If A Creditor Gets Court Judgement?
The Fair Debt Collection Practices Act (FDCPA) protects consumers from abusive debt collection tactics. However, a creditor, debt collector or landlord can legally pursue a court judgement against you. At this point, time is no longer on your side. In a judgement, tax returns can be seized, as well as bank account money, business assets and future income. They will go for just about anything to pay off the debt. This is when things get really complicated. In some cases, we may be able to help prevent the case from going any further. Please don’t wait to contact one of the attorneys at Debt Advisors for a free consultation.
Getting Back Your Peace of Mind with Automatic Stay
The part of bankruptcy law that ends harassment is called the automatic stay. Once bankruptcy is filed, this provision is enacted. A creditors’ obedience of the automatic stay is important for many reasons. Not only does it give you the time and space you need to get your affairs in order, it also allows the court to manage your case without any outside interference from creditors or other parties.
Sue Creditors Who Break The Law
Did You Know that You can Sue Creditors? It’s true! When creditors continue to attempt to collect a debt that was included in your bankruptcy, they are essentially in violation of a court order. If you have trouble with over-zealous bill collectors once your bankruptcy petition has been filed, refer them to our office and we will handle the situation for you. We will explain that we are assisting you with a bankruptcy. In addition, any further communication regarding the debt should come through our office for us to handle on your behalf. There is a statute of limitations, so don’t wait.