Bankruptcy
Safeguarding Consumers Against Creditor Harassment and Asset Seizure.
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In most cases, the Bankruptcy law is here to protect consumers from creditor harassment, garnishments, foreclosures and the seizure of your assets from court officers. Once you file for bankruptcy protection, under the bankruptcy code, creditors you owe money to must STOP collections or harassment or face the potential sanctions for violating the Bankruptcy law.
Securing Your Rights:
Comprehensive Protection Under Bankruptcy Laws
Bankruptcy laws serve as a crucial shield for consumers, offering protection against various adversities such as creditor harassment, garnishments, foreclosures, and the unwarranted seizure of assets by court officers. When you take the step to file for bankruptcy protection, the bankruptcy code establishes a robust framework to ensure that your rights are safeguarded.
Upon filing for bankruptcy, a fundamental provision of the bankruptcy code compels creditors to cease all collections and harassment activities. This legal mandate serves as a resolute barrier against intrusive measures taken by creditors seeking to recover debts. Failure to adhere to these provisions can expose creditors to potential sanctions, emphasizing the gravity of respecting the protections granted under bankruptcy law.
Upon filing for bankruptcy, a fundamental provision of the bankruptcy code compels creditors to cease all collections and harassment activities. This legal mandate serves as a resolute barrier against intrusive measures taken by creditors seeking to recover debts. Failure to adhere to these provisions can expose creditors to potential sanctions, emphasizing the gravity of respecting the protections granted under bankruptcy law.
Comprehensive Bankruptcy Advocacy:
Regain Control of Your Finances with The Law Office of Bruce A. Mayrand.
The Law Office of Bruce A. Mayrand specializes in navigating the intricacies of bankruptcy law to ensure that clients receive the full spectrum of protections available. Our commitment extends beyond the mere filing process, as we work diligently to enforce these legal safeguards on your behalf. Rest assured that under the umbrella of bankruptcy protection, you can find relief from the relentless pressures of creditors, allowing you the opportunity to regain control of your financial well-being.
If you find yourself grappling with these challenges or feeling utterly burdened by debt with no clear way out, reach out to Attorney Bruce A. Mayrand for a complimentary consultation today.
If you find yourself grappling with these challenges or feeling utterly burdened by debt with no clear way out, reach out to Attorney Bruce A. Mayrand for a complimentary consultation today.
More Information
Frequently Asked Questions
- Please Read
Q. What if I forgot to add a creditor? How long do I have to add a creditor I forgot to tell Mr. Mayrand about?
A. NO PROBLEM! Just fax or e-mail the missing creditor name, address, account number and amount owed to (248) 926-0434 prior to you hearing date and our office will draft and send you amendments to sign for filing. Very important- there is a filing fee with the court and an amendment fee for which you will be billed.
Q. My creditors keep calling me. What do I do?
A. Tell them you have filed Chapter 7 Bankruptcy; give them your case number and our phone number if they have any questions. If they are creditors not in your case, fax or e-mail the missing creditor name, address, account number and amount owed to (248) 926-0434 and our office will draft and send you amendments to sign for filing. Again, there is a filing and amendment fee for adding missing creditors.
Q. I received a Motion for Relief from the Automatic Stay in the mail – what is this?
A. If it is for a car or house that you do not want, disregard it. If, however, it is for a house or car that you DO want, chances are you are either behind on the payments and you will need to contact the lender to catch up.
Q. What if I forgot to add a creditor? How long do I have to add a creditor I forgot to tell Mr. Mayrand about
A. NO PROBLEM! Just fax or e-mail the missing creditor name, address, account number and amount owed to (248) 926-0434 prior to you hearing date and our office will draft and send you amendments to sign for filing. Very important- there is a filing fee with the court and an amendment fee for which you will be billed.
Q. My creditors keep calling me. What do I do?
A. Tell them you have filed Chapter 7 Bankruptcy; give them your case number and our phone number if they have any questions. If they are creditors not in your case, fax or e-mail the missing creditor name, address, account number and amount owed to (248) 926-0434 and our office will draft and send you amendments to sign for filing. Again, there is a filing and amendment fee for adding missing creditors.
Q. I received a Motion for Relief from the Automatic Stay in the mail – what is this?
A. If it is for a car or house that you do not want, disregard it. If, however, it is for a house or car that you DO want, chances are you are either behind on the payments and you will need to contact the lender to catch up.
Important Things You Need to Know When Filing Bankruptcy
- If you have a checking or savings account at a credit union that you OWE money to, and there is money in the account GET IT OUT BEFORE FILING OR THEY CAN KEEP IT!! DO THIS IMMEDIATELY.
- Do not transfer or sell assets out of your name prior to or while you are in bankruptcy. (This also includes bank accounts)
- YOU ARE NOT PERMITTED to pay back anyone or any company you owe for debts incurred prior to filing. If you are current with your utilities, insurance, cable TV, car or mortgage payments, you may pay them monthly. If you have left any individual or company out of your case because you want to pay them directly, you are breaking the law.
- If you have NOT provided your last two years of filed Federal and State tax returns or last 3 months of paystubs and proof of ALL income received within 7 to 14 days of filing your case, your case may be dismissed. Failure to fax or e-mail these documents to our office in the time allotted may result in your case being dismissed. Therefore, PLEASE DO NOT DELAY – PROVIDE THESE DOCUMENTS AT ONCE.
- If your Social Security number is incorrect on your petition and this is found out after filing, your hearing may be adjourned and you will be charged an amendment fee of $100.00. Therefore, PLEASE READ YOUR PETITION, SCHEDULES AND STATEMENTS and make sure everything is true and accurate.
- IT IS YOUR RESPONSIBILTY TO PROVIDE OUR OFFICE WITH YOUR 2nd COUNSELING CERTIFICATE. If your case is closed because we did not receive the second counseling certificate and you did not PERSONALLY provided it to our office, you will be charged a filing fee $360.00 to reopen your case.
This list cannot include the answer to all questions or every important issue. Therefore, if you ever have any questions or concerns, please call Mr. Mayrand.