Category Archives: Collection Harassment

What is the Automatic Stay?

Posted on September 12, 2013 by

In Bankruptcy, an automatic stay protects a debtor from his or her creditors.  The automatic stay prevents a creditor from collecting on debts incurred by the debtor.  The automatic stay is effective immediately upon the filing of the bankruptcy.  As … Continue reading →

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Social Security Income and Bankruptcy

Posted on August 15, 2013 by

Many debtors wonder if they can and should file for bankruptcy if they are only receiving Social Security Income.   If you are only collecting Social Security Income, your creditors cannot garnish your wages and cannot levy, or freeze, your bank … Continue reading →

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Knowing Debt Collection Tactics Can Help You

Posted on July 2, 2013 by

As anyone who is considering filing for bankruptcy knows, the constant beratement debtors receive from debt collectors can be extremely stressful.  No one enjoys repeated phone calls from mysterious numbers with voice messages containing cryptic messages. These phone calls can … Continue reading →

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Why Should I file for Bankruptcy again if I am not Eligible for a Discharge?

Posted on June 12, 2013 by

Changes to the bankruptcy code have resulted in the implementation of time limits between bankruptcy filings and when a debtor is eligible to receive a discharge.  These time limits depend on the type of bankruptcy the debtor filed previously and … Continue reading →

Posted in Automatic Stay, Bankruptcy filing, Bankruptcy General, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Collection Harassment, Discharge of Debt, Foreclosure | Comments Off on Why Should I file for Bankruptcy again if I am not Eligible for a Discharge?

Discharge of Debt

Posted on May 24, 2013 by

An individual can receive a discharge of debt they owe by filing for Chapter 7 or Chapter 13 bankruptcy.  A “Discharge of Debt” releases an individual’s personal liability for many types of unsecured debts, meaning they will no longer owe … Continue reading →

Posted in Bankruptcy filing, Bankruptcy General, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Collection Harassment, Discharge of Debt, Judgement Liens, Medical Bills and Bankruptcy | Comments Off on Discharge of Debt

Do you have to List Every Creditor you Have on Your Bankruptcy Petition?

Posted on April 11, 2013 by

When preparing to file for bankruptcy, people often wonder which creditors they are supposed to list on their petitions, and which ones they should leave out.  This confusion often comes from individuals assuming that if a debt cannot be discharged … Continue reading →

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What is an Automatic Stay, and will it Help me?

Posted on February 15, 2013 by

Filing a bankruptcy case will offer immediate relief from the constant harassment from collection agencies and representatives that debtors suffer from prior to filing.  As soon as you file your bankruptcy petition, the automatic stay goes into effect. An automatic … Continue reading →

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Creditors Should Stop Calling Once You File Your Bankruptcy Case

Posted on March 5, 2012 by

Federal bankruptcy law prohibits creditors from contacting you about debts that are included in your bankruptcy. One of the benefits of filing for bankruptcy is the peaceful feeling of knowing you have freed yourself from your debt. This means that … Continue reading →

Posted in Automatic Stay, Collection Harassment | Tagged , | 2 Comments