Stopping Creditor Harassments in Barrington, NJ
When a person files for bankruptcy, stopping creditor harassment in Barrington, NJ, is a must. Because once a bankruptcy petition is filed, an “automatic stay” goes into effect. An automatic stay by law requires all creditor collection efforts to cease.
Creditors can no longer communicate with you, threaten you or otherwise hound you about your debt. If the bankruptcy petition does not stop harassing phone calls from creditors, the creditors may violate the Fair Debt Collection Practices Act and be sued by you!
At the law firm of John Hargrave and Associates, in southern New Jersey, we have helped our clients find the right solutions to tough financial problems since 1977. Call 856-547-6500, or contact us online to schedule a free initial consultation about bankruptcy or other debt-relief options.
Stop Creditor Harassment From Debt Collection Agencies
An automatic stay will immediately freeze actions that debt collectors are taking against you, including:
- Sheriff’s sales
- Wage garnishments and bank levies
- Any lawsuits or pending litigation to collect a judgment against you
- Tax collection by the IRS and the State of New Jersey’s Division of Taxation
- Car repossession, in some circumstances
Get Financial Relief and the Chance for a Fresh Start
Most people cannot envision the incredible relief they will feel until after the harassing phone calls stop. With the protection of bankruptcy, you get the space you need to resolve your financial problems and regain your financial footing.
If you qualify for a Chapter 7 bankruptcy, your credit card debt and certain other unsecured debt will be erased in most cases. If you are eligible for a Chapter 13 bankruptcy, your debt will be reorganized into a reasonable payment plan. In Chapter 13, in bankruptcy, you pay what you can afford. In most cases, your creditors only receive a small percentage of what they are owed.
Talk to an Experienced Debt-Relief Attorney
Find out how to stop creditor harassment and get a fresh financial start. Call the Barrington, New Jersey, the law firm of John Hargrave and Associates at 856-547-6500, or e-mail us to schedule your appointment.
We have been helping people get back on the path to financial freedom since 1977 and can help you, too. We are a debt relief agency. We help people file for bankruptcy relief under the bankruptcy code.