If you are tired of fending off phone calls and throwing away letters from debt collectors, a Chapter 7 or Chapter 13 bankruptcy can give you relief. Bankruptcy lawyers have ways to stop the flood of creditor communications before you file a petition. Here’s what you should know about your rights regarding debt collectors and how a lawyer can help you enforce them.   

How Bankruptcy Lawyers Help Stop Debt Collection Actions

Contact Your Debt Collectors

Hiring a bankruptcy lawyer gives you an aggressive advocate dedicated to protecting your rights. Once your lawyer notifies your creditors you are represented, creditors and debt collectors must send all correspondence to your lawyer, not you. With that burden lifted off your shoulders, you can focus on the best way to achieve long-term debt relief.

Prevent Creditor Lawsuits & Foreclosures

Debt collectors and creditors are less likely to file lawsuits or begin foreclosure actions once they know you have a bankruptcy lawyer and expect to file a Chapter 13 or Chapter 7 petition. Stopping lawsuits helps you avoid judgments, garnishments, and liens that may not be discharged in bankruptcy.

Provide Bankruptcy Counsel

One of the benefits of filing bankruptcy is the automatic stay that begins immediately. Whether you file Chapter 7 or Chapter 13, every debt collector you list must stop all collection actions, including repossessions, foreclosures, and garnishments. Your lawyer will ensure you understand your options and pursue the best avenue for relieving your debt long-term and getting back on your feet financially.

With a seasoned bankruptcy lawyer representing you, long-term debt relief is a reachable goal. West Virginia’s Eastern Panhandle residents count on the legal team at Kratovil Law Offices, PLLC for wise counsel and vigorous representation in debt collection matters and bankruptcy cases. Giving every client the benefit of their more than 40 years of experience in bankruptcy and business law, these dedicated attorneys will guide you out of the debt tunnel and help make your financial situation bright again. Call (304) 728-7718 to schedule a free consultation and visit their website to learn more about the scope of their practice.