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Automatic Stay Protection in Georgia

Atlanta bankruptcy attorneys provide effective relief from creditor harassment

  • Are you facing foreclosure on your family's home?
  • Is a creditor threatening to repossess your car?
  • Are they even trying to take your furniture and television?

Automatic stay protection may be just what you need to get your life back on track. An automatic stay prevents creditors from reclaiming your property or collecting on debt after you file for personal bankruptcy. The stay gives you time to work through your debt problems and come up with the right solution.

Aggressive collection practices require equally aggressive defense

If you took out loans to buy a home, car, or furniture, and are unable to repay them on schedule, your lenders are allowed to repossess your car, furniture and electronics. Georgia law allows lenders to sell a foreclosed-upon house only thirty days after giving notice to the borrower. If you paid for medical expenses with a credit card, your credit card company may try to sue you in small claims court or garnish your wages if you cannot pay your minimum payment every month. Any of your creditors could call you repeatedly to demand that you pay. An automatic stay in Chapter 7 or Chapter 13 bankruptcy protects you from all of their demands and prevents them from repossessing your home or any of your belongings. You don't need a special court order to make it happen. The protection starts automatically from the moment you file your bankruptcy petition.

Bankruptcy places a wall between you and your creditors

Let our highly respected Atlanta automatic stay protection firm help you decide which type of personal bankruptcy works best for you and assist you through the process.

There are essentially two types of bankruptcy proceedings.

  • Chapter 7 proceedings might best suit your needs if you have no major assets, want to pay off your debts quickly, and can meet a means test (which qualifies you to receive help from the government.
  • Chapter 13 might be more appropriate if you want to protect your assets and feel confident that you can pay off your debts under a newly restructured plan.

Both proceedings can trigger an automatic stay, but in some circumstances, you might not be eligible. To ensure the full protection an automatic stay can provide, it is important to consult an experienced Atlanta bankruptcy attorney.

Bankruptcy is different from other debt relief options, like loan modification, because it can actually stop creditors from foreclosing on your home. Our experienced bankruptcy attorneys in Atlanta can tell you exactly what to expect when filing for bankruptcy and help you through the process.

Get real assistance from experienced and dedicated Atlanta bankruptcy attorneys

The attorneys at DebtStoppers have already helped thousands of people get a fresh start in life through bankruptcy. Contact DebtStoppers attorney today at 404-796-7161 or online to schedule a free one-on-one debt consultation.