Protection And Peace Of Mind Through Bankruptcy
Living with high debt is bad enough without constant reminders from bill collectors. Filing for bankruptcy not only reduces your debts but provides immediate relief from creditors. All collection efforts will come to a stop, including the harassing phone calls.
I am James E. Smith II, an attorney in Keyser, West Virginia. Drawing on 33 years of experience, I will help you get the maximum benefit of filing for personal bankruptcy. I can also intervene if creditors or collection agents refuse to take no for an answer.
The Automatic Stay
Filing for Chapter 7 bankruptcy (or Chapter 13) invokes an automatic stay against all creditor actions and collection actions. This includes:
- Phone calls and threatening letters
- Contacting your family members or employer
- Wage garnishment
The automatic stay applies to creditors and third-party bill collectors. The bankruptcy court can impose sanctions on creditors who defy the order. Under the Fair Debt Collection Practices Act, creditors and collection agencies are also subject to monetary fines for abusive practices or continuing collection efforts after notification of your bankruptcy filing.
Experienced Bankruptcy Lawyer
I have practiced law in Mineral County and surrounding areas of West Virginia and Maryland since 1990. I am also a CPA (Certified Public Accountant), so I bring both legal knowledge and financial savvy to your case.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.