BANKRUPTCY

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• Stop Collection Calls and Letters: Halts most communications from creditors.
• Cease Lawsuits and Legal Claims: Stops lawsuits, garnishments, wage attachments, and pending legal actions against you.
• Halt Bank Garnishments: Temporarily stops wage garnishments and bank levies.
• Delay Foreclosure Proceedings: Can postpone or stop foreclosure on your home (though it won’t be permanent unless you reaffirm or catch up on payments).
• Prevent Repossession: May prevent the repossession of vehicles or collateral based on the circumstances of the case.
• Terminate Debt Collection Activities: Ceases aggressive collection efforts during the bankruptcy process.

Important Notes:Certain obligations, such as criminal fines, student loans (unless undue hardship can be demonstrated), and some taxes, are not halted by Chapter 7. After filing for bankruptcy, most creditors must desist from collection due to the automatic stay; however, some actions, like foreclosure or repossession, may resume if the court lifts the stay or the case concludes.

At HACKETT LAW, we recognize that financial hardship can be overwhelming and stressful. Our experienced bankruptcy attorneys are committed to guiding you through the complexities of the legal process, helping you find relief and a fresh start.

• Chapter 7 Bankruptcy: If you qualify, this option can eliminate most unsecured debts swiftly, providing immediate relief and a fresh financial slate.
• Chapter 13 Bankruptcy: Intended for those with a steady income, this option consolidates debt into manageable payments over 3-5 years, protecting your assets while reorganizing your obligations.
• Debt Relief Guidance: We’ll assess your unique financial situation to determine the most suitable pathway and clearly explain your options.
• Asset Protection: Our team works to safeguard your property, vehicles, and other assets during the bankruptcy process.
• Discharge and Fresh Start: We handle all necessary filings to help you achieve a court-approved discharge of eligible debts, empowering you to rebuild your financial future.

• Compassionate, personalized service
• In-depth understanding of bankruptcy law
• Transparent process with no hidden fees
• Installment plans available
• Support throughout the entire process

Contact us today for a confidential consultation and take the first step toward financial freedom.

Call us at 805-448-1233.