If you are contending with debt, you may feel overwhelmed and anxious. Receiving calls from debt collectors can make your anxiety worse, especially if you don’t know what to do.

In this post, we’ll learn how to stop calls from debt collectors. We will also discuss some tips on how you can get back on track financially through bankruptcy protection so that you can restructure your finances or get a fresh start.

The Automatic Stay

Once you file bankruptcy, an automatic stay takes effect. This stops the creditors from harassing you or taking action against you. It prohibits creditors from collecting on debts listed in your bankruptcy filing, including credit card bills and medical bills. It also stops foreclosure actions against your property.

Getting Relief Through Chapter 7 Bankruptcy

Filing Chapter 7 bankruptcy gives you relief from debt because it stops creditors from contacting you and garnishing your wages or threatening lawsuits against you. Once the requirements are met, the court issues an order that cancels debts upon discharge (the debtor no longer owes this debt). This allows you to get back on your feet financially and begin rebuilding your credit score after years of struggling with debt collection agencies and creditors.

Getting Relief Through Chapter 13 Bankruptcy

You can also get peace of mind from these aggressive calls and letters by filing for Chapter 13 bankruptcy. Filing for Chapter 13 bankruptcy can stop harassing phone calls and letters from debt collectors and give you more time to make payments on what you owe.

Chapter 13 bankruptcy allows you to create a plan that will enable you to pay off some of your debts while keeping your home or vehicle.

Are There Debts That Are Not Covered by Bankruptcy?

If you’ve filed for bankruptcy, there are a few debts that are not covered by the protection of your bankruptcy filing. These include child support and alimony, most student loans, criminal fines and restitution, some tax debts, court-ordered fines, and legal penalties. Since these debts cannot be discharged through bankruptcy, these creditors can still contact you for payment after you receive your discharge from the Court.

Contact Hoverson Law Offices, P.A. For Relief from Creditors if you want to stop calls from debt collectors?

If so, contact Hoverson Law Offices, P.A. for relief from creditors and to learn more about how we can help you. We have more than 35 years of experience working with clients facing financial difficulties—we can help you through the process of filing for bankruptcy so that your creditors cannot contact you anymore.

We will also work with you to learn if there are other alternatives to bankruptcy that will work better for you. Call us at (612) 349-2728 or fill out our contact form for more information.

We target Minneapolis, Bloomington, and surrounding Minnesota communities.