Wish you could instantly stop debt collectors from hounding you for payment? Filing for bankruptcy is one way to make that happen. Through Chapter 7 bankruptcy you can bring the stress of constant phone calls, texts and letters to a permanent end.
Reach out to the legal team at the Law Office of Davis & Jones, P.C. We’ll help you take control of your financial future. We can stop debt collectors, preventing them from disrupting your life. If you’re in Salt Lake City or the greater northern Utah area and you’re tired of dealing with creditor harassment, contact our office to schedule a free consultation and get on the road to debt relief.
How Chapter 7 Bankruptcy Shuts Down Debt Collectors
In Utah Chapter 7 bankruptcy cases, an automatic stay goes into effect as soon as the petition is filed with the court. This action prohibits creditors from taking any further collection action. The automatic stay can:
- Stop debt collectors from calling
- Stop the texts, emails and letters from creditors
- Prevent creditor lawsuits and collection lawsuits
- Block pending court judgments
- Prevent or stop a wage garnishment
- Stop vehicle repossession
- Stop home foreclosure
The automatic stay remains in place until the conclusion of the bankruptcy case, unless a creditor petitions the court and asks for permission to resume collection actions. Creditors typically only take this step for secured debts, or those that involve collateral. If you have debt collectors calling about past-due credit card bills, medical bills or other non-priority unsecured debts, you can expect them to respect the automatic stay. If they don’t, your bankruptcy lawyer can hold them
legally accountable.
It must be noted, however, that domestic support obligations such as child support or alimony are treated differently in bankruptcy. In addition, criminal proceedings are not subject to the automatic stay. There are some other exceptions to the automatic stay which you should discuss with your bankruptcy attorney.
Benefits of Filing for Chapter 7 Bankruptcy
The immediate relief of being protected from creditor harassment may be reason enough to consider filing a Chapter 7 claim. But stopping debt collectors isn’t the only benefit that comes with bankruptcy.
Thanks to the Utah state bankruptcy exemptions, you’ll most likely get to keep your belongings. The law protects many basic assets, and most people who file for Chapter 7 don’t have to worry about their assets being seized.
As long as you meet the requirements for filing and you’re honest in your dealings with the court, a permanent discharge of your eligible debts is a real possibility. No bankruptcy lawyer can guarantee that the court will grant a discharge, of course, but few Utah Chapter 7 cases end with a denial of discharge.
Let Our Law Firm Stop Your Debt Collectors
If you’re deep in debt and want all the phone calls, texts, emails and threatening letters from creditors to stop, the Law Office of Davis & Jones, P.C., is here to help. We’ve been guiding Utah residents through Chapter 7 and Chapter 13 bankruptcy filings since 1995. Our legal team can set you up with a solution to your financial situation.
For a free consultation to discuss Chapter 7 bankruptcy and expert assistance in filing a claim to stop debt collectors, contact our office in Salt Lake City or St. George, Utah, today.