Creditor Calls Won’t Stop? Bankruptcy Can Make the Calls Stop and Provide Permanent Relief

Creditor Calls Won’t Stop? Bankruptcy Can Make the Calls Stop and Provide Permanent Relief

As many of our clients and potential clients frequently express, one of the worst parts about falling behind on bills and accumulating debt is the creditor calls. Even when the bill collectors are professional and courteous, calls of this type are physically and emotionally draining. You may grow to dread the sound of your phone ringtone or going to check your mailbox. For many, it may seem that the creditor calls are unending and you may feel that you are under constant assault – even in your own home.

If the perceived harassment by creditors wasn’t bad enough, many people in this type of situation feel even more powerless because it may seem that no matter what they do, their debt only continues to grow. This is a horrible situation for any individual to face. The Philadelphia bankruptcy lawyers of Sadek & Cooper are proud to help Philadelphians and Pennsylvanians resolve debt through bankruptcy. One of the advantages of resolving your debts through Chapter 7 bankruptcy or Chapter 13 bankruptcy is the automatic stay. To discuss how bankruptcy’s automatic stay can stop creditor calls and help you get out of debt, call us at 215-545-0008 for a confidential consultation.

Bankruptcy’s Automatic Stay Can Stop Collection Attempts and Creditor Calls

One extremely welcome benefit of bankruptcy is what is known as the automatic stay. The automatic stay is codified in 11 USC Section 362. As the automatic stay’s name suggests, it goes into effect without the individual taking additional action when a bankruptcy petition is filed. The automatic stay will prohibit most creditors, bill collectors, and others from engaging in new or continuing collection activities against you. Aside from stopping collection actions, the automatic stay can also put a halt to evictions and foreclosures. The situations the automatic stay may address and mitigate include:

  • Wage garnishments – If part of your wages are being captured to pay off debts, bankruptcy’s automatic stay can stop this action. Aside from permitting you to take home a full paycheck, a bankruptcy discharge may also allow you to eliminate the underlying debt.
  • Mortgage foreclosure – If you are facing the foreclosure of your home, the automatic stay can provide some temporary relief permitting you to prepare to take more permanent steps to protect your home. An emergency Chapter 13 bankruptcy may be appropriate to stop the foreclosure.
  • Eviction from your home – If you or your family is facing eviction, the automatic stay can provide some temporary relief. IF the landlord has already obtained a judgment for the premises, the automatic stay may not provide significant relief, however, it can often provide additional time to prepare a defense to the eviction.

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These are only a few of the situations and benefits of bankruptcy’s automatic stay. The automatic stay may also be useful to prevent a utility (Electric, water, natural gas) shutoff. In certain cases, the bankruptcy filer may enjoy several of these benefits.

Why the Automatic Stay is Only Part of a Bankruptcy Solution

While the automatic stay does provide immediate relief, the relief is not permanent. Thus, one will generally need to complete a Chapter 7 or a Chapter 13 bankruptcy filing to address all aspects of the situation. While the automatic stay will prevent collection attempts for most debts, creditors can petition the court to lift the stay if it is not serving its intended purposes. Furthermore, certain debts such as child support obligations and certain tax debts are not affected by the stay. Finally, the temporary relief provided by the automatic stay is certainly welcome, but without addressing the underlying debt through bankruptcy, the root of the problem will remain. Thus, a discharge through Chapter 7 bankruptcy or through Chapter 13 bankruptcy is typically a necessary step in resolving your debts.

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Work with a Strategic Bankruptcy Lawyer in Philadelphia

The bankruptcy attorneys of Sadek & Cooper approach every concern or situation strategically. We take the time to understand your concerns and goals before recommending a bankruptcy or non-bankruptcy solution to your debt concerns. To discuss how bankruptcy’s automatic stay can make creditor calls stop and help you resolve your financial concerns, call our law office at 215-545-0008 today.

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SEEWHAT OUR CLIENTS ARE SAYING

Thomas Wright
Thomas Wright
15:09 24 Apr 18
Sadek and Cooper Law did a great job on my bankruptcy case. I really appreciate their assistant. Thank you
Kelly McKenna
Kelly McKenna
11:57 19 Apr 18
This form - specifically Yoninah Orenstein and Patrick Cooper are PHENOMENAL. They were great to work with, very fair with legal fees, and successful in getting an excellent settlement for my divorce (short term marriage
Dessiana Cruz
Dessiana Cruz
13:11 04 Apr 18
I was nervous about bankruptcy, but from the moment I stepped in your office I felt at ease. This process was so easy with your help, that yesterday I was talking to my coworkers about it and recommending your firm to them. You make something that’s scary seem easy and I thank you so much for helping me!
Valerie Nesbitt
Valerie Nesbitt
14:51 03 Apr 18
Sadek and Cooper have been excellent. Everyone has been extremely helpful and patient. The lawyers I have worked with, Matt and Brad, are extremely knowledgeable. I felt very comfortable with them handling my case.
Marlena Lucas
Marlena Lucas
16:08 02 Apr 18
Very simple. Any time I had questions, they were answered quickly. The lawyers are just great. Just a fast painless process.
James Smith Sr
James Smith Sr
13:19 14 Mar 18
Everything has been great. Really awesome job with my case... You and your staff have done a perfect job in my opinion.
Michkel Davis
Michkel Davis
17:02 09 Mar 18
Mr. Sadek was the best and most thorough lawyer I’ve ever met. He’s very human and caring about our case. His whole staff is great too. Highly recommend...
Tamika Richardson
Tamika Richardson
14:56 01 Mar 18
My bankruptcy went very smoothly with your firm. No issues. You are all very nice. That’s why I recommend my sister to your firm and your now helping her too! Thanks again.
Geraldine Ross
Geraldine Ross
14:14 28 Feb 18
This is an Excellent firm to work with; my questions were answered in a timely manner and I felt very supportive in handling my bankruptcy. I would highly recommend this firm to others who have found themselves in a position like mine.
Lavern Baker
Lavern Baker
17:03 23 Feb 18
You are all super lawyers. Brad and Matt made me feel comfortable. Every one in your office so nice and just made it easy. You’re the best!
peter b
peter b
19:42 21 Feb 18
Thank you, Sadek and Cooper Law offices for your dedication on my behalf. I appreciate Matthew and Patrick and your staff and all that everyone did to support me in this legal matter. You took an embarrassing, sad experience, for me, and turned it into a successful solution without all the emotional pain expected. After dealing with a loan modification company for over eighteen months without going to an attorney first that is the biggest mistake anyone can make. The Modification Companies set out to sell you lies, broken promises and dilute the homeowner's assets with no knowledge of any kind of law. I can't stress enough stay away from Modification companies, as a Military Veteran and family man, protect you or your family best interest. Go directly to Sadek and Copper you will not regret it! This firm moves with Super speed and diligence protecting you and your family's the entire process, even after watching some of these other attorneys in the courtroom appearing to mishandled their clients’ cases before the Trustee. You made it easy and I’m finally getting my financial life back on track! Thank you for your prompt replies to me, your clear information and preparation needed when at the courthouse. I would of course recommend you to others and I am glad you were the one who had my case. Kind genuine law firm who treats you like family. God bless you all and I pray for your continued success in your field of expertise. This firm is Super Lawyers for a reason. They are the best at what they do! Pete
Doug Tinlin
Doug Tinlin
06:55 15 Feb 18
Brad Sadek gave me hope when he decided to handle my mortgage for enclosure defense. I had exactly 10 days left of the 30 days ultimatum given me, but he was able to bargain for an extra 30 days for me to pay up. That duration turned out just right.
Jacinth Jacinth
Jacinth Jacinth
16:07 31 Jan 18
Excellent service. Brad and Matt were outstanding and friendly. They helped me through this. I’ve never met attorneys like these. Thank you!
julie njoku
julie njoku
12:29 24 Jan 18
Brad Sadek is excellent!. He understands and he's fair. You feel like you have someone fighting for you. The staff is friendly, professional, and courteous. These guys are the best at what they do !
Owen Black
Owen Black
20:14 09 Jan 18
Thanks for the great service! I would recommend this firm highly. Throughout the years I have been helped by this firm greatly and very much appreciated.
Steven Rychalsky
Steven Rychalsky
15:30 09 Jan 18
Sadek and Cooper law office was a wonderful experience to work with. Bankruptcy is a difficult experience but they helped with the stress so much and made it easy. I would recommend Sadek and copper too anyone.
Chris Kourelias
Chris Kourelias
19:09 28 Dec 17
Working with both Brad & Matthew was a pleasure. Both gentlemen are extremely knowledgeable and helpful in providing me the right assistance needed to make the correct decision to benefit me in the long run. I would recommend both candidates to anyone looking for assistance with a reputable law firm.
Jennyfer Santana
Jennyfer Santana
21:17 21 Dec 17
Highly Recommended. Matt & Brad assisted with my case. I felt comfortable throughout the entire process. Matt was very understanding, patient, and ensured he answered all my questions! Both great guys and very friendly! It was a pleasure working with Matt and Brad.
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