Threatened by Debt Collectors? You Have Rights.
If you have fallen behind on your debts, you may have started getting threats from debt collectors that they are going to garnish your wages, foreclose on your home or repossess your car. It is important to act quickly to avoid these serious consequences.
At The Law Offices of James Flexer, our Nashville foreclosure help clients use the automatic stay procedure to obtain immediate protection from garnishment, foreclosure and repossession. Then, we pursue long-term solutions customized to each client's needs.
Columbia Attorney Assisting with Stopping Wage Garnishment
Contact us today for a free consultation with one of our knowledgeable attorneys. We have offices in Nashville, Murfreesboro and Columbia, Tennessee.
Gaining Immediate Protection Through the Automatic Stay
The automatic stay is a restraining order against your creditors that goes into effect the minute you file foreclosure lawyers. The relief provided by the stay stops creditors from collection activity whether they are companies or governmental agencies. It puts an immediate stop to actions such as:
- Garnishment of wages and bank accounts
- Foreclosure on real property
- Repossession of vehicles and other personal property
- Debt collection phone calls and letters
The automatic stay remains in effect until a bankruptcy judge gives further orders that fully or partially lift the stay. In a Chapter 7 bankruptcy case, it can provide protection for several months, while in Chapter 13, the protection lasts as long as the bankruptcy case is ongoing.
Pursuing Long-Term Debt Relief So You Can Make a Fresh Start
Whether you will ultimately be able to permanently avoid garnishment, foreclosure or repossession depends on the details of your financial circumstances and bankruptcy case.
Many unsecured debts can be permanently discharged so that your creditors cannot try to garnish your wages once your bankruptcy case is over. We have also had a great deal of success helping clients save their homes and repossession from foreclosure and repossession.
Every bankruptcy case is unique. Having handled more than 25,000 cases, our attorneys have the experience to help you find the right approach for your specific circumstances. Don't hesitate to contact us to discuss your options.
