CULLMAN BANKRUPTCY ATTORNEY
COLLINS LAW OFFICES, P.C.  (256)739-1962


GET BACK ON TOP
​
ALABAMA BANKRUPTCY BLOG

  • Cullman Bankruptcy Attorney
  • Bankruptcy Info
    • Chapter 7
    • Chapter 13
    • Stop Foreclosure
    • FAQ'S re: Bankruptcy
    • Bankruptcy Attorney Services
    • Alabama Bankruptcy Blog
    • Credit Rebuild Education
  • Contact
    • Get Started
    • Free Bankruptcy Book
    • Free Rebuild Life Book
    • Contact Us
    • Make a Payment
    • Location
  • About Bankruptcy Lawyer

3/5/2020

Does Bankruptcy in Alabama Stop Collections Harassment from Debt Collectors?

0 Comments

Read Now
 
Yes.  All collection attempts by creditors are to stop as soon as your bankruptcy is filed.  When your bankruptcy is filed the "automatic stay" goes into place.  This prohibits debt collectors from making any effort to collect any debt against you.  It stops phone calls, letters, lawsuits, garnishments, foreclosures, and repossessions.  

The automatic stay remains in effect during the pendency of your bankruptcy.  It can be lifted by secured creditors to whom you are collateral to or to secured creditors to whom you were supposed to make payments to during the bankruptcy, but have not.

Although the automatic stay goes into effect immediately when your bankruptcy is filed, in reality creditors will not receive notice from the bankruptcy court for 7 - 10 days.  For this reason you or your attorney should inform creditors who are threatening to take actions such as foreclosure or garnishment that you have filed bankruptcy and provide the creditor with a case number.

Creditors who knowingly violate the automatic stay will be required to reverse any adverse action they took after the automatic stay went into effect (such as foreclosure or repossession) and may be subject to paying fines and debtor's attorney's fees.

If you are being harassed by collections efforts of creditors and debt collectors, contact me by clicking here or another qualified bankruptcy attorney in Alabama.  The initial bankruptcy consultation is free.


Share

0 Comments

Your comment will be posted after it is approved.


Leave a Reply.

Details

    Author

    I am an attorney located in Cullman, AL. I practice extensively in the area of consumer bankruptcy law, that is, I file Chapter 7 and Chapter 13 bankruptcies for individuals.  I handle cases all over North Alabama and have helped hundreds of clients through the bankruptcy process., I receive many referrals from former clients and their families and other attorneys. Why? Unlike other firms, I have a local office. If you are from out of town, we have the technology available to keep your traveling to a minimum. Also, unlike many firms, you will meet personally with an attorney, not a paralegal. An attorney will handle your case from start to finish. ,

    You will be taken care of throughout the process. We will obtain your credit reports to ensure all your creditors are listed. We will assist you in preparing the forms and then obtain your credit counseling certificate which is required prior to filing bankruptcy for you. We will explain the pros and cons of filing for bankruptcy and the different types of bankruptcy. We will not pressure you into entering into a bankruptcy process that you do not understand. We will be with you side by side through the bankruptcy process. , We represent individuals and work hard to lead them out of the debt traps, through the maze of bankruptcy laws, and to the relief of a bankruptcy discharge.

    ​I am a member of the National Association of Consumer Bankruptcy Attorneys, the American Bar Association, the American Association for Justice, the Alabama Bar Association, and the Alabama Association for Justice. I am a 1996 graduate of the University of Alabama School of Law. I also have a BA degree from the University of Alabama. The Law Office of Richard L. Collins is a federally designated Debt Relief Agency. Richard L. Collins helps clients file for bankruptcy protection under the laws of the United States. Alabama State Bar Disclaimer: No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers.

    Archives

    December 2021
    May 2021
    April 2021
    March 2020

    Categories

    All
    Alabama Bankruptcy
    Assets
    Bankruptcy General Information
    Bankruptcy - General Information
    Bankruptcy Mistakes
    Bankruptcy Qualifications
    Chapter 13 Bankruptcy
    Chapter 7 Bankruptcy
    Check Advance Loan
    Collections
    Credit Cards
    Creditors
    Credit Report
    Cullman Bankruptcy Attorney
    Debts
    Discharge
    FAQ
    Foreclosure
    Garnishments
    House / Mobile Home
    Income
    Lawsuits
    Lawyer / Attorney
    Means Test
    Payday Loan
    Preparation For Bankruptcy
    Real Estate
    Repossession
    The Alabama Bankruptcy Book
    Trustee
    Vehicle / Automobile / Car / Truck

    RSS Feed

Collins Law Offices, PC  helps clients file for bankruptcy protection under the laws of the United States.
​Alabama State Bar Disclaimer: No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers.
  • Cullman Bankruptcy Attorney
  • Bankruptcy Info
    • Chapter 7
    • Chapter 13
    • Stop Foreclosure
    • FAQ'S re: Bankruptcy
    • Bankruptcy Attorney Services
    • Alabama Bankruptcy Blog
    • Credit Rebuild Education
  • Contact
    • Get Started
    • Free Bankruptcy Book
    • Free Rebuild Life Book
    • Contact Us
    • Make a Payment
    • Location
  • About Bankruptcy Lawyer