Bankruptcy Offers Immediate Protection from Your Creditors!
How Does Bankruptcy Stop Debt Collection?
Filing bankruptcy will immediately stop debt collection harassment. The first thing that happens when you file for bankruptcy protection is … PROTECTION! The day—no, the very moment you file bankruptcy—no matter whether it’s Chapter 13 bankruptcy, Chapter 7 or Chapter 11—the first thing that happens is that the Automatic Stay goes into effect to stop debt collection against you.
The Automatic Stay (under Bankruptcy Code Section 362) stops creditors in their tracks. The Automatic Stay stops nearly all collection activities. It stops foreclosures. It stops bill collectors from calling you. It stops lawsuits against you. It stops wage garnishments. It stops car repossessions. It stops evictions. It stops almost every kind of action anyone to whom you may owe money might take against you. The Automatic Stay is incredibly powerful, immediate, relief for those who file bankruptcy.
Any bill collector that harasses a person protected by the Automatic Stay of bankruptcy is subject to monetary sanctions by the federal Bankruptcy Court—punishment for disobeying federal law by violating the Automatic Stay. So if the collectors keep calling or the bank goes ahead with foreclosure, or the judgment creditor keeps garnishing your wages after they receive notice from the United States Bankruptcy Court that you filed Chapter 13 bankruptcy or Chapter 7, then your bankruptcy lawyer can get the bankruptcy court to force them to pay money for violating the protection of the Automatic Stay.
Debt Settlement or Consolidation Programs Can’t Protect You. Bankruptcy Can.
Bankruptcy law insists that debtors—anyone who owes debts—get relief from bill collectors immediately and automatically when he or she files for bankruptcy protection. Private debt settlement companies promising to “negotiate” with your creditors can’t promise you the protection that a federal court can give you. Bankruptcy attorneys don’t have to “negotiate” your debts. We have the force of bankruptcy law and the Automatic Stay behind us. If you are eligible to receive bankruptcy relief from your debts, then why on earth would you let someone shame you into settling with some bully debt buyer?
Bankruptcy attorneys stop law suits, wage garnishments, home foreclosures, car repossessions, and bill collections with the full force of the LAW, not promises of some indefinite compromise that maybe your creditors might perhaps agree to if they feel like it.
If a creditor violates the Automatic Stay of Bankruptcy, our Bankruptcy Attorneys aggressively enforce the protection the Automatic Stay is designed to offer by asking the Bankruptcy Court to grant money damages against offending collectors. Private debt consolidation companies can’t do that. They say “please, sir.” We demand.
Jon Brooks was wonderful to work with on filing for bankruptcy. He is professional, polite, and very detailed. I'm so grateful I'm debt free... Read moreMichelle D., San Jose
I just wanted to take this time to say that I had the privilege of being represented by my bankruptcy attorney Jon. At first I was really te... Read moreFrank S., San Jose
Jon focused on the key issues quickly, and knew critical answers I could not find elsewhere – even from other attorneys! I highly recommen... Read moreC.C., San Jose
If you are reading this, chances are you haven’t been on a ‘winning streak’ in your life lately. When my wife and I came in to see Jon... Read moreKeith A., San Jose
Jon provided me with the pros and cons of what type of bankruptcy to file which I understood very well as they were presented to me and my w... Read moreTony G., Fremont
Jon Brooks demonstrated confidence, compassion, and professional integrity while handling my challenging bankruptcy case. He skillfully disc... Read moreLisa C., Palo Alto
I can't thank Jon enough for helping us through the most difficult time in our life. Coming to the conclusion that I had to file bankruptcy ... Read moreJ.S., San Jose
Choosing Jon to represent me in my bankruptcy case was the best decision I have ever made! He is extremely knowledgeable and explained every... Read moreSara L., Campbell
Jon Brooks helped us get a fresh start without making us feel ashamed for our bankruptcy. He and his staff were professional to an ultimate ... Read moreY. Carter and D. Carter, San Jose
I am a young single mother that went through a very difficult time and knew bankruptcy was the smartest option for me at the time. Mr. Brook... Read moreS.M., San Jose
We were saved by the office of Jon Brooks when our country was in the Great Recession. They solved our second mortgage and debt problems pow... Read moreSam S., San Jose
Jon Brooks and his wonderful team helped me with my bankruptcy case and gave me back my peace of mind. My initial (free) consultation with M... Read moreRaquel P., San Jose
Read more testimonials...
Recent Blog Posts
Dos and Don’ts Before Filing Bankruptcy in San Jose
Considering Filing Bankruptcy? These Dos and Don’ts Will Go a Long Way Toward Ensuring Your Bankruptcy Case Goes Smoothly First, let’s start with the things you should do now if you are considering filing a personal ...Read more
Credit and Debt Are Two Different Things! How Bankruptcy Helps Each
Bankruptcy, Debt and Your Credit Report I am contacted nearly every day about whether I can “clean up” someone’s credit report. It usually goes like this: the person has just been denied from renting an apartment...Read more
Why Car Title Loans Are Always a Bad Idea
You paid off your car or truck loan. Congratulations! It likely took up to five years to do that, and you justifiably feel proud of that fact. But unfortunately due to an unforeseen circumstance, you now need money...Read more