File for Bankruptcy
If you are facing a financial catastrophe or one of life's major challenges such as health problems, job loss, divorce, bodily injury, small business failure or you have just gotten in over your head with debt, then you should consider Bankruptcy as an important and powerful option in discharging your debt. By this point, if you are in one of these predicaments, you probably have not been in the position to pay your credit card debt for some time. You may be afraid to answer the phone or screen every call to avoid the never ending harassing collection phone calls. The debt collectors may even have the nerve to contact your friends, family, or employers to attempt to collect your debt. A creditor's next step is usually to file a civil lawsuit against you in order to obtain a judgment. A judgment is very serious and acts as an automatic lien against all of your real and personal property. Once a creditor obtains a judgment, there are various methods for them to execute on that judgment. Creditors and debt collectors are getting more aggressive these days due to the pandemic. There are many despicable tactics that creditors and debt collectors may resort to in order collect your debt. Bankruptcy provides a powerful defense called the "AUTOMATIC STAY" against these creditor actions. Once we file your Bankruptcy petition, creditors are not permitted to call you or send you letters anymore.