Creditor Harassment & the Automatic Stay

Filing for bankruptcy triggers an automatic stay—an order that immediately stops most collection actions. Creditors must halt phone calls, letters, lawsuits, wage garnishments and foreclosure proceedings as soon as the case is filed. This breathing room allows you to focus on your case without constant pressure and gives you time to reorganize your finances.

The stay applies to most consumer debts, but there are exceptions. Obligations such as child support, alimony and recent tax debts continue despite the filing. Secured creditors may seek permission to resume foreclosure or repossession if you fail to make payments during the case. If a creditor willfully violates the stay—for example, by continuing to call or garnish wages—the court may order damages, attorney’s fees or sanctions against them.

You have rights under federal law to stop creditor harassment. Whether you’re dealing with relentless collectors, aggressive lawsuits or threatening letters, we can enforce the automatic stay and put an end to the abuse. Reach out today to learn how bankruptcy can restore your peace of mind.