How Can I Stop Creditor Harassment?

Filing for Bankruptcy ends the Creditor Nightmares

Do you have creditors calling you all hours of the day and night? Sending you threatening letters from attorneys or law firms, collection agencies?  Creditors threatening to sue you?  Or perhaps you have been sued?  In most cases the best way to stop creditor activity is file bankruptcy.  First thing you ought to do is speak to a lawyer who is experienced with bankruptcy.

Once you file bankruptcy, either chapter 7 or chapter 13, you immediately receive the benefit of the “automatic stay” provided by the US code.  The automatic stay prevents creditors from making any further attempts to collect a debt from you, except through the bankruptcy court.  In other words, once you file for protection under the bankruptcy code, no creditor can do anything except ask the court to lift the stay.  This is usually done by secured creditors if you are surrendering a secured asset like your house or car.  Typically unsecured creditors like credit card companies do no try to have the stay lifted.

To learn more contact Purple Law Firm, bankruptcy attorneys in Chattanooga, TN call (423) 899-0131 or email

Also Read:

1. What happens when you file a Chapter 13?