Collection Defense Attorney in Newark
Are you behind on credit card payments, mortgage payments, medical bills, and more? If you’ve been struggling with debt for months or years, there may come a point when collection agencies or creditors are calling you every day, threatening you with lawsuits, or initiating foreclosure or repossession.
At Dublin Packard, Attorneys at Law, our debt collection defense lawyer is deeply committed to providing top-tier counsel and representation for clients throughout Newark. There are a few different ways to handle debt collection, and our attorney can closely assess your situation to determine what relief may be available to you—and how you can achieve it.
Many people avoid bankruptcy at all costs, believing it will simply worsen their situation and leave them with nothing to their name. However, bankruptcy comes with several powerful benefits, not the least of which is the automatic stay.
The automatic stay is a court order issued as soon as you file bankruptcy. For the duration of your bankruptcy case, the automatic stay protects you from all kinds of collection actions, including:
- Calls, texts, and letters
- Bank levies
- Wage garnishment
To sidestep the automatic stay, a creditor or collection agency would need to obtain approval from the court—and the court frequently denies these motions. If a creditor or collection agency violates the automatic stay, you will have legal recourse, meaning we can take them to court and potentially secure compensation on your behalf.
Bankruptcy can provide long-term relief, as well. If all goes according to plan, you should benefit from a debt discharge, which permanently eliminates your liability for qualifying debts. Once a debt is discharged, the creditor or collection agency is prohibited from attempting to collect it in any way.
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