A bill collector or collection agency has a number of tools available for collecting debt. They may be able to garnish your wages or seize assets such as cars or other property. However, filing for Chapter 7 bankruptcy can put an end to these debt collection efforts.

The attorneys at The Sexton Law Firm have been protecting individuals in eastern Tennessee who are facing insurmountable debt for over 25 years. We understand the rights you have in putting a stop to unwanted phone calls and threatening letters. As experienced bankruptcy attorneys, we understand the bankruptcy process and how it can benefit you by providing you a fresh financial start.

An Automatic Stay Putting A Stop To Creditor Efforts

Many individuals do not understand the many benefits that accompany a bankruptcy filing. When filing bankruptcy, an automatic stay goes into effect. What this means is that creditors must put a stop to collection efforts. Creditors can no longer send you threatening collection letters or call you at your home. Such efforts must come to a halt for at least as long as the bankruptcy process takes place. And creditors can no longer seek debt discharged during the Chapter 7 bankruptcy process.

It is important to remember, however, that failure to list specific debts on your bankruptcy petition can mean you will still have to pay those debts. For this reason, you will want to have on your side a seasoned bankruptcy lawyer who can explain to you all of your debt relief options. Such attorneys can make certain that protections against creditor harassment are in place. We will take all the necessary efforts to put a stop to letters and calls from creditors immediately.

Stop Creditor Harassment

Skilled bankruptcy attorneys who deal with creditors or help you work out a repayment plan is an invaluable service. Ultimately, it can end wage garnishment efforts and, under the right circumstances, prevent repossession and foreclosure of the home.

To set up an appointment with a lawyer at our Knoxville or Mount Juliet office, contact our firm by calling 865-691-7900.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.