The Power of the Automatic Stay in Bankruptcy
When it comes to debt collection, creditors are often willing to sink pretty low to accomplish their goals. They will call you at all hours of the day. They will call you at work. They will call your family members. They will fill your mailbox with letters. Their tactics are not only aggressive, they are often illegal.
You can stop creditor harassment. An experienced attorney can help. At the Law Office of Patrick M. Noe, Jr., we know the steps to take to overcome creditor harassment through the power of an automatic stay.
What is an Automatic Stay?
An automatic stay is a feature of filing bankruptcy. As soon as you file either Chapter 7 bankruptcy or Chapter 13 bankruptcy, creditors are required to stop all actions against you.
They are required to stop calling. They are required to stop sending letters. An automatic stay can even stop the foreclosure process and repossession of cars and other assets.
From our office in Amherst, we stop creditor harassment for people in Buffalo and throughout Western and Upstate New York.
What Forms of Creditor Harassment Will an Automatic Stay Stop?
An automatic stay stops all forms of creditor harassment, including illegal harassment that should not have been happening in the first place. The following actions are illegal:
- Using obscene or profane language
- Contacting you before 8 am or after 9 P.C. without authorization
- Contacting you at your workplace without authorization
- Discussing your case with third parties, such as family members
If a creditor continues to harass you, a lawyer may be able to file a lawsuit against them to get you compensation for the stress you have had to endure. These creditors are violating the law and we will make them pay.
To get the aggressive, professional and effective help you need to resolve your New York debt relief case, contact the Law Office of Patrick M. Noe, Jr. in Amherst. We have successfully handled numerous cases for our clients — we can help you.
Call us toll free at 1-866-745-5168 or send us an e-mail for a free initial consultation.
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