Cherry Hill Bankruptcy – Automatic Stay Lawyer
Experienced Debt Attorney Explains How to Immediately Stop Creditor Harassment in Camden and Burlington Counties
When you are struggling with overwhelming debt, the only things worse than the sleepless nights spent thinking about it, are the non-stop calls from creditors hounding you for payment. If you feel harassed, you aren’t alone. Creditors want their money and they will stop at nothing short of legal guidelines (and some break the law!) in trying to get in contact with you.
When you file for bankruptcy protection, the very first thing that will happen is a process that will stop those phone calls, emails, letters, etc., from collection agents and your creditors’ lawyers. In most cases, it will stop foreclosure actions. You will have the time to devise a strategy for getting out from under the mountain of debt.
Contact skilled bankruptcy lawyer Joel R. Spivack today to learn more about the Automatic Stay. Whether you opt to file for bankruptcy protection under Chapter 7 or Chapter 13, Mr. Spivack will explain how the automatic stay benefits you right away. Further, he will guide you through the complicated bankruptcy process every step of the way. For more than 30 years, Mr. Spivack has helped good people, like you, who have gotten in over their heads in debt. It happens. We won’t judge you. We will help.
Automatic Stay Puts an End to Non-Stop Creditor Harassment throughout New Jersey
Bill collectors will say anything to get the money you owe to them. Sadly, this usually includes unending harassment and cruel behavior — often in violation of your rights under the Fair Debt Collection Practices Act (FDCPA). Filing for bankruptcy can put an end to all that.
Thanks to a provision in the Bankruptcy Code called the automatic stay, all efforts by creditors to collect money owed to them must stop immediately when you file your bankruptcy petition. Let me repeat: any creditor whose debt is included in your bankruptcy petition is automatically ordered to stop all collection activity. This includes letters, phone calls, lawsuits, wage garnishments, foreclosures, repossessions and any other action intended to collect a debt.
Any creditor that violates the FDCPA can be subject to significant penalties. Once you hire Mr. Spivack to handle your bankruptcy, you can relax. He will handle all those harassing creditor calls. You will simply refer them to his office. The collection companies won’t be allowed to contact you directly again once you inform them you are represented by a lawyer. Believe me, if they continue to harass you, Mr. Spivack will can help you take the appropriate steps to force compliance with the automatic stay.
Call Knowledgeable Automatic Stay Lawyer Joel Spivack about Your Harassing Collection Calls Today
When the collection agents are calling, rest assured, it’s not personal. They are doing their jobs. However, they can go overboard and there are laws to prevent that. If your creditors or their collection agents are harassing you, contact Joel R. Spivack today to learn more about how the automatic stay will put a stop to it.
He will explain your options regarding bankruptcy and guide you through the process making sure all documents are submitted and deadlines met. If you feel sick to your stomach every time the phone rings or can’t stand going to the mailbox because it’s a constant reminder of your unmanageable debt, Mr. Spivack can help you. Contact his Cherry Hill, NJ office today for a free consultation about your debt.
The Law Office of Joel R. Spivack is open 8 a.m. to 5 p.m., Monday through Friday. Mr. Spivack is always available to meet with clients outside of office hours when necessary. Free parking is available. Clients are offered payment plans and flexible fee arrangements. Contact us today to request your free, confidential, no-obligation consultation with an experienced bankruptcy lawyer today.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.