Bill collectors can be notoriously harassing and threatening.  They will call you at home even at night and  on the weekends to collect their money.  Your mailbox will also be filled from threatening and harassing letters.  They may even attempt to garnish your wages.

If you’ve reached this point and you owe more money than you can possibly pay back, it may be a good time to speak with a Florida bankruptcy lawyer.  McGuire Law Offices will provide you with a free consultation and advise you as to your options, including filing for bankruptcy in the federal bankruptcy court in Tampa.

If we file bankruptcy on your behalf, you will almost immediately be provided with an Automatic Stay which means a halt to the bill collector phone calls and wage garnishments.  The Automatic Stay provision legally protects you from these bill collectors.  They are prohibited by law from calling you or sending you letters.  The Automatic Stay provision was designed to stop creditors, halt repossessions, suspend foreclosure proceedings and wage garnishments.

During your bankruptcy case, creditors will be punished by the bankruptcy court if they attempt to contact you or take any further action against you.

Automatic stay does not apply to criminal proceedings or certain other exceptions such as family court orders involving family support orders  as codified in Section 362 of the Bankruptcy Code.  However, the stay remains in force until the bankruptcy proceeding is completed in court through dismissal, discharge or closing of the case.

During our initial consultation, I will discuss Automatic Stay with you and explain how the provision relates to your personal financial circumstances, including whether Chapter 7 or Chapter 13 bankruptcy filing is appropriate for your situation.

If you’re experiencing a financial crisis where creditors are harassing you or your wages have been garnished, now may be the time to talk to a Florida bankruptcy lawyer.