You are in insurmountable debt. How can you tell? Because your creditors remind you of it on a daily basis. If you are in over your head in credit card bills, medical bills or any other kind of loans that have become difficult for you to repay, then the company you owe is likely calling you incessantly, sending you mail and, basically, harassing you.
Fortunately, when you file for bankruptcy, these kinds of behaviors are immediately put to a halt. All communication from the creditors who are contacting you must go through your attorney, and at the law offices of Andersen, Ellis & Shephard, we bear that burden confidently. As experienced Grand Rapids, Michigan attorneys, we can help you remain informed of the bankruptcy process and advise you on what decisions are right for you, your family and your long-term financial well-being.
They’re Threatening To Take My Home. What Can I Do?
Creditors will sometimes use threatening messages to get you to pay. They may also file lawsuits against you that allow them to garnish your wages or repossess your property. Even if you are close to foreclosure and repossession, there is still time to prevent this from happening.
Once your case is filed in bankruptcy court, a case number is assigned and an “automatic stay” is placed on all creditor actions against you. This includes:
Collection actions (phone calls, letters, etc.)
- Wage garnishments
- Seizure of property
In Michigan, these creditor actions are legal if you have not filed chapter 7 or chapter 13 bankruptcy. In many cases, the only way to truly protect yourself and not lose everything is to speak with a lawyer who can help you pursue the right debt relief methods for your needs. With offices in Grand Rapids, Lansing, Kalamazoo, Muskegon, and Big Rapids we can assist nearly anyone dealing with garnishments in Michigan.