Many different things will happen when you file for bankruptcy. One of the things that you might not expect is that you will get your life back. Debt collectors have a way of contacting people just enough to be bothersome while staying just shy of harassing you. This is maddening, but bankruptcy can put a stop to this.
When we get your case filed, an automatic stay is put into place. This means that creditors can't contact you in any form as long as the debt is still in the bankruptcy. While it is possible for some collectors to get the stay lifted, there are very strict criteria for this to occur.
We understand that you want all the protections possible with your filing. The automatic stay is an important one because you can answer the phone and check the mail without having to worry that a debt collector is going to demand a payment.
You can't base your decision to file for bankruptcy solely on the automatic stay. Instead, you should base it on what you learn when you weigh the possibility of bankruptcy against trying to work hard and pay off the debts on your own.
Typically, it is best if you file for bankruptcy sooner rather than later. Not only can this help your mental health state since you don't have to worry about drowning in debt, it can also help you enjoy the freedom that comes after you file bankruptcy. We can help you get the process started so that you can enjoy the benefits that come with filing.