Those creditor phone calls and letters are sooo stressful, causing embarrassment and a feeling of helplessness and overwhelm. Creditors harass by calling your work place, neighbors, and family members. They file lawsuits, garnish wages, repossess cars and furniture, and foreclose on houses. It’s the worst; but, there is good news. Creditor harassment can be stopped; and, it can be stopped immediately. We have a plan that stops the harassment both before and after the bankruptcy. Below is a short outline, for the full plan please contact us at 513-793-6555 to set up your initial interview.
“I am Represented by an Attorney”
As soon as you hire a qualified bankruptcy attorney, you can tell any creditors that you are filing bankruptcy and are represented by an attorney. Provide your attorney’s name and telephone number. When you are represented by an attorney, creditors may not contact you directly. It’s against the law.
The Bankruptcy Court will Issue a “Stay”
When you provide debt and income information, your attorney will file your bankruptcy petition. As soon as it’s accepted by the court (which is very quickly), the court will issue a “stay,” meaning that all attempts to collect on your debts cease, immediately. At that point, you won’t even have to say “I am represented by an attorney” because phone calls will stop. Collection letters will stop; foreclosure proceedings will stop; repossessions will stop; most wage garnishments will stop; and lawsuits will stop. Whew!
There is No Need to Feel Guilty
It will likely make you feel better to know that there are approximately 1,400,000 bankruptcies filed in the United States each year. Considering that many of those bankruptcies are married couples, it is reasonable to extrapolate that more than 2 million people file bankruptcy each year. We know that you’ve done your best and deserve a fresh start. The foundation for bankruptcy laws can be found in the United States Constitution wherein our Founding Fathers authorized Congress to pass bankruptcy laws.
You Will NOT Lose All of Your Possessions
No need to fear; you will not lose all of your possessions. Ohio has generous bankruptcy exemptions, meaning that you can likely keep everything (or most) of what you own.
Where to Get Help Stopping Creditor Harassment; NOW!
We understand that you’re highly stressed and bothered by creditor harassment. You are not alone. There is no reason to be. We focus our practice on bankruptcy law and help people in your circumstances every day. Your next step is to contact us; you can reach us at 513-793-6555 or by email at Thomasjr@geygan.com. We will gently walk you through the process and aggressively fight for your legal rights.
Please fill out this contact sheet and one of our attorneys will contact you shortly.