Bankruptcy Can Make the Calls Stop

Are you sick of answering non-stop phone calls at all hours of the day and night from Bill Collectors? Tired of opening letters stamped “final notice” that endlessly fills your mailbox? Are people harassing and embarrassing you at work? Bankruptcy is the most effective, if not the only, way to stop the harassment from Creditors.

How Bankruptcy Stops Creditor Harassment

When a Chapter 7, Chapter 11 or Chapter 13 Bankruptcy case is filed, Section 362 of the Bankruptcy Code automatically imposes a “stay” of virtually all actions by Creditors to collect on your outstanding obligation and efforts to repossess your property. In other words, the “automatic stay” requires that creditors stop contacting you by telephone or through the mail. If they do not stop such actions, the Bankruptcy Court has authority to issue monetary sanctions against the creditor. There is no comparable provision under any other law. Thus, the automatic stay of the Bankruptcy Code is the most powerful tool that a debtor has against creditors. In this way, the Attorneys at the Law Offices of Christopher Alliotts, Inc. can protect you and your family from Creditor abuses.

Bankruptcy is a Permanent Solution to Creditor Harassment

We know that you don’t just want the Creditor harassment to stop temporarily. You want to solve your problems once and for all. Bankruptcy is designed to help you permanently eliminate your debts, so that your Creditors have no legal grounds to pursue collections of past debts in the future.
When your Bankruptcy case is complete under either Chapter 7 or Chapter 13, you will receive a “discharge” of your debts. A discharge is an order of the Bankruptcy Court that means that all the debts you had prior to the date of filing of your Bankruptcy case, with certain limited exceptions, are forever cancelled. If a Creditor tries to collect such a debt after you receive your discharge, the Bankruptcy Court will enforce its Order of Discharge against the offending Creditor.