If you find yourself facing crushing debt, filing for bankruptcy can help in a range of ways, and one of these is that it can put an end to all those bill collectors who simply will not leave you alone. When it comes to your debt, you can reach a tipping point – after which you simply can’t afford to make a dent, and this is when filing for bankruptcy can be extremely beneficial. The relief you experience can be immense, and a big part of that is getting aggressive debt collectors out of your life. Turn to an experienced South Carolina bankruptcy attorney for the help you’re looking for today.
Bankruptcy Comes with an Automatic Stay
Bankruptcy in South Carolina and elsewhere throughout the nation generates an automatic stay, which is an injunction that is imposed against specific creditors, and it shuts down further action related to debt collection against the filer. When the automatic stay goes into effect depends on the circumstances involved.
When the Stay Is Tripped
Once an affected bill collector or creditor gains awareness of your bankruptcy filing, they must halt their collection efforts, including all the following:
- Making calls
- Sending notices through the mail
- Taking legal action
- Garnishing wages
Upon filing your bankruptcy petition, the court will send each of the creditors a notice, which should halt their collection actions but can take several weeks to accomplish. To halt their calls more quickly, your practiced bankruptcy attorney can directly contact your creditors as soon as you file, which is generally the best approach if the creditor in question has a lawsuit pending against you.
Once a creditor has been informed of the automatic stay, any collection tactics on their part can lead to court sanctions. This can include requiring them to cover your attorney fees.
If a Debt Collector Calls
The debts you include in your bankruptcy filing indicate the creditors who are barred from contacting you regarding debt collection moving forward. When you work with a skilled bankruptcy attorney from the start, you can rest assured that your case will cover the full scope of your eligible debts. If one or more of the debt collectors continue to badger you, you should let them know that you have legal counsel, and from this point on, they’re required to contact your attorney – rather than you.
It’s Time to Consult with an Experienced South Carolina Bankruptcy Attorney
Bankruptcy can provide you with a new financial beginning, and the benefits can be considerable, including reducing the stress associated with bill collectors. The knowledgeable South Carolina bankruptcy attorneys at Reed Law Firm dedicate their imposing practice to helping our valued clients put their immense debt behind them and escape the immense pressure that creditors too often apply. Your financial future is important, so please don’t delay reaching out and contacting or calling us at 843-418-9004 for more information about what we can do to help you today.
