When you fall deep into debt, even in spite of your best efforts to manage your bills, you may find yourself facing repeated phone calls and other communications from creditors and their agents, trying to collect the money you owe them. Even if you manage to scrape together enough money to make a partial payment, they may continue to call you for more. Gates Law Group, A Professional Corporation has helped Californians stop creditor harassment for the past four decades.
Upon the filing of a bankruptcy petition, the law imposes an automatic stay that stops most or all of your creditors from trying to collect their debts outside of the bankruptcy process. The bankruptcy law does recognize some exceptions. The automatic stay doesn’t apply to debts incurred after you file for bankruptcy. Debtors might lose or never get an automatic stay if they have a bankruptcy history that suggests they abused the system, such as if they had at least one bankruptcy that was dismissed within the previous year. If that happens, we can still get the automatic stay reinstated if we convince the court that our client wasn’t guilty of bad faith conduct. Creditors may also file a motion in the bankruptcy court to lift the automatic stay, but they will need to show the court a good reason before it will grant the motion, and our clients can count on our opposing it.
If you have an automatic stay in place but you continue to get harassed by debt collectors, there are several measures that your bankruptcy attorney can take to stop it. We can:
We do everything we can to make sure that our bankruptcy clients enjoy the benefits of the legal protections an automatic stay affords them.
If you face harassment from creditors and collection agencies, Gates Law Group, A Professional Corporation, can help you. Please call 559-432-9944 or contact us online to schedule a free initial consultation. We serve clients from our main office in Fresno and locations in Paso Robles and Visalia.