A Chicago Bankruptcy Attorney can help you stop your creditors dead in their tracks.  The Automatic Stay in a Bankruptcy case prevents all methods of collection on debts listed in your Bankruptcy.  Of course, there are still some issues to discuss regarding this with your Chicago Bankruptcy Attorney when you begin the process of filing a Bankruptcy.

A Chicago Bankruptcy Attorney will make sure the Stay Goes into Effect Properly.

It isn’t enough to just file the Bankruptcy to stop your creditors.  A Chicago Bankruptcy Attorney will know what steps are necessary to make sure that the Stay goes into effect with regard to each creditor, and how to enforce it if a creditor violates the Stay.

Your Chicago Bankruptcy Attorney will have Notice provided to each Creditor.

As a Chicago Bankruptcy Attorney, when I file a Bankruptcy for a client, I make sure that each creditor is disclosed within the paperwork filed with the court.  Additionally, I see to it that the proper address for each creditor is also included.  This way the court is able to send Notice to each creditor that you filed  Bankruptcy.  This Notice is 100% necessary.  Without it, you will not be able to punish a creditor that has violated the Stay.  A good Chicago Bankruptcy Attorney keeps a list of addresses for regular creditors that are included in most Bankruptcies.  Additionally, a Chicago Bankruptcy Attorney should pull your credit bureau report to make sure that all of your creditors have been included with the proper address.

Your Chicago Bankruptcy Attorney should Enforce the Automatic Stay when Creditors Violate it.

After your case has been filed, you should notify your Chicago Bankruptcy Attorney if creditors continue to contact you.  Even calling you on the phone is considered a violation of the Stay and can be punished by seeking a fine in court.  Your Chicago Bankruptcy Attorneys should start by sending a letter to the creditor demanding that they stop all contact, and the Attorney may even demand money to offset Attorney fees due to the contact.  If the creditor continues to contact you after the attorney has sent a letter, legal action should follow.  Your Chicago Bankruptcy Attorney should file a complaint for damages within your Bankruptcy against the creditor.

A Chicago Bankruptcy Attorney can help you stop creditor harassment, and you should consider the option of filing Bankruptcy if you are having trouble keeping the creditors under control.  However, the requirements of filing a Bankruptcy to have the Automatic Stay in full force are often best handled by a skilled Chicago Bankruptcy Attorney.

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