How to Stop Creditors in an Orange County Bankruptcy

If you've tried to work with your creditors but the collection notices and calls are still overwhelming, you may need the protection offered through bankruptcy. The moment you file for bankruptcy, an Automatic Stay goes into place, barring creditors from contacting you about your debts. This includes collection letters, notices, and those annoying telephone calls as well. The automatic stay remains in place throughout your bankruptcy proceeding, in most cases, giving you peace of mind and a life free of the stress and worry of wondering if the next call will be one from a creditor demanding payment.

If you are facing wage garnishment, levies, repossession, or foreclosure, the automatic stay will stop these types of collection activities as well. This gives you a chance to work out a fair and equitable payment arrangement with your creditors while preserving your car, your home, your bank account and your peace of mind. If you are facing eviction due to the nonpayment of rent, you may be able to delay the process long enough to work out payment with your landlord, however, if your landlord asks for the stay to be lifted, the court may grant the request. If you have any concerns about your current situation, it's in your best interests to contact an experienced, reliable Orange County Bankruptcy Lawyer to assist you with your case.

For the majority of people, the automatic stay will go into effect without any additional requirements other than the initial bankruptcy filing. However, for individuals who have had a bankruptcy case dismissed recently, you may have difficulty getting the protections granted under an automatic stay. For this reason, if you have unique filing circumstances, it is best to consult with a knowledgeable Orange County Bankruptcy Attorney as soon as you start thinking about filing for bankruptcy. If there are additional steps needed, our firm will keep you informed, and help you to minimize collection activities by your creditors in the meanwhile.

If you are worried that you may be subject to repossession, wage garnishment, or other detrimental collection practices, don't delay. You can prevent these types of activities from occurring with a timely bankruptcy filing handled by a skilled Orange County Bankruptcy Attorney. Contact us today and arrange for a free initial case evaluation. Together, we can stop creditors from crippling your financial freedom, and give you the financial protection of an Automatic Stay via your Orange County bankruptcy filing.