Bankruptcy Ends the Phone Calls, the Threats and the Stress
There is a reason that credit card companies and collection agencies employ “customer service” collectors to harass debtors. Calling your home day and night, tracking you down at work and contacting your family members keeps the pressure on. Intimidation and fear of legal action forces many debtors to make payments they can’t afford to pay.
At Hoglund, Chwialkowski & Mrozik, PLLC, we know that you would gladly pay your creditors if you could. We know that you would pay your debts if you had the money. We know that people get in over their heads from unemployment, medical bills, a divorce or family death, or credit card debt, making it impossible to pay for the necessities of life.
STOP THE HARASSMENT TODAY · 800-850-7867 or 651-202-2203
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Our Minnesota Bankruptcy Lawyers Stop Creditor Harassment
The moment your bankruptcy petition is filed electronically with the bankruptcy court, you are under the protection of an automatic stay:
- Legal actions such as garnishment, repossession and foreclosure must halt.
- Creditors cannot file new lawsuits or enforce existing judgments.
- Creditors cannot pursue collection by phone, e-mail, text, mail or any method
- Third party bill collectors and repossession companies cannot contact you or take action
The automatic stay remains in force for as long as you keep up your end of the bargain. If you stop making car payments, for example, the lender could resume repossession. If you stop making your Chapter 13 payment, creditors could try to garnish your wages.
The automatic stay remains in force until a bankruptcy judge orders the discharge of your debt. If you stopped making car payments, for example, the lender could resume repossession once the Chapter 7 is done. If you stopped making your Chapter 13 payments, your case will be dismissed, and you will be put back into collections.
Under the federal law, creditors must cease and desist from harassing you and your family members, contacting your employer or otherwise violating the bankruptcy stay.
Call Us Now · 800-850-7867 or 651-202-2203
The Hoglund Promise · What Our Clients Say
At Hoglund, Chwialkowski & Mrozik, we urge clients to refer creditors to our office. We will verify that you have filed or are seeking bankruptcy protection, and we will take aggressive action against any creditor or collection agency that continues to harass or threaten you in violation of the law. Contact us today for a free consultation.