Secure A Debt-Free Future
Once a bankruptcy is filed, an automatic stay is instituted that will stop any and all creditor actions from happening. This includes home foreclosure, the repossession of property, lawsuits and wage garnishment, as well as creditor phone calls and other harassment. In a nutshell, the automatic stay can provide immediate relief for those who are stressed out due to debt and are having to deal with the additional stress of creditor collection efforts.
An automatic stay will go into place regardless of the type of bankruptcy filed, including Chapter 7 and Chapter 13 bankruptcy. Our Tampa bankruptcy attorneys can help you to make this happen.
Filing bankruptcy is the quickest and most effective way to stop creditor harassment and other collection actions. If creditors continue to contact you or to pursue those collection actions, they are in violation of the Fair Debt Collection Practices Act (FDCPA), and you may be able to sue them for damages.
Unfortunately, it is not uncommon for creditors to continue sending letters or making telephone calls. They will even go as far as calling and giving private debt information to family and employers. These actions are clear violations of the FDCPA
If creditors violate your rights, our firm will file the necessary motions and pursue further legal action. Any type of contact by a creditor when they are not supposed to do so is considered harassment under the FDCPA. Florida also has laws in place that forbid creditor harassment, so sanctions could also be placed on a creditor by the State of Florida for violating those laws.
We can help you to protect your home, vehicle, and well-being. Call our Tampa bankruptcy lawyers today at (813) 940-5120 to schedule your complimentary consultation.