Stop Creditor Harassment
Are you tired of receiving harassing telephone calls from creditors? Are you facing foreclosure, repossession or wage garnishment? Filing Chapter 7 or Chapter 13 bankruptcy places an automatic stay on all creditor actions. This means any pending judgments against you, collection letters and phone calls must cease immediately. To learn more about how bankruptcy can put an end to your credit troubles, contact our lawyers today.
At Cravens & Noll, in Richmond, our attorneys offer prompt personalized service for clients who need debt relief. We can show how you can place an automatic stay on any creditor actions, including wage garnishment, foreclosures and repossession. Should creditors violate your rights and refuse to stop the harassment, we can hold them accountable and will take them to court in order to protect your interests.
Our Bankruptcy Experience Matters
Our firm offers bankruptcy representation backed by years of experience in the legal field. Our extensive knowledge of the federal bankruptcy laws allows us to strategically determine when you should file and what chapter of the Bankruptcy Code you should file under, depending on your circumstances. This type of strategic counsel and planning can help you receive the most financial benefit.
The cost for our services varies according to our clients’ needs. Individual filings for Chapter 7 bankruptcy start at $1049 plus $306 for the court filing fee. A Chapter 13 bankruptcy filing can range from $500-$1000 for the initial attorney fee depending on your case. While this may seem costly, it is to your benefit to hire an experienced bankruptcy lawyer.
Contact an Experienced Debt Relief Lawyer
If you are facing a difficult financial situation and want to give yourself a chance to get a fresh start, we can help. Turn to the experienced debt relief attorneys at Cravens & Noll. To schedule an initial consultation, contact our Virginia bankruptcy law firm online or call 804-332-6161 or toll free 866-547-6373 today.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
Automatic Stay FAQ
Once a creditor or bill collector becomes aware of a filing for bankruptcy protection, it must immediately stop all collection efforts. After you file the bankruptcy petition, the court mails a notice to all the creditors listed in your bankruptcy schedules. This usually takes a couple of weeks. Creditors will also stop calling if you inform them that you filed the bankruptcy petition, and supply them with your case number. In some cases, you or your attorney should contact the creditor immediately upon filing the bankruptcy petition, especially if a lawsuit is pending. If a creditor continues to use collection tactics once informed of the bankruptcy they may be liable for court sanctions and attorney fees for this conduct.
Multiple factors are looked at including income, expenses, home equity, etc. The best way to determine what chapter you qualify for is to call our office and set up a free consultation with one of our bankruptcy attorneys.
The garnishment will not stop until your bankruptcy case has been filed with the court.
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