San Bernardino Bankruptcy Instant Relief - Chapter 13
People often turn to San Bernardino bankruptcy in order to get relief from collection activities initiated by creditors. Filing for Chapter 13 invokes an Automatic Stay on collection activities that lasts for the duration of your
San Bernardino bankruptcy case. After you have completed your repayment plan, any remaining debts will be discharged, thus barring creditors from ever pursuing further collection activity on those accounts. In
San Bernardino Chapter 13 bankruptcy, your automatic stay also applies to any co-debtors on the accounts. This means that while you are in the
San Bernardino County bankruptcy process, any cosigners or others who are listed on your accounts are also protected from collection activity. You do not have to file any special paperwork in order to qualify for the automatic stay in most instances - the automatic stay goes into effect at the moment you file for
San Bernardino bankruptcy, and the court will notify those creditors you have listed in your paperwork.
Unless you have special circumstances that would warrant the prevention of an automatic stay, you can relax as soon as your paperwork is accepted by the court - no more collection calls, mailed notices, or other collection activities. If a creditor does attempt to collect on a debt after being notified of your
San Bernardino bankruptcy proceedings, then you may be able to sue for damages. This is one of many reasons why it pays to have legal representation from the start. If you have an experienced attorney who specializes in
San Bernardino County Bankruptcy Law, then these types of issues can be handled along with your bankruptcy case.
The Chapter 13 automatic will stop all of the following types of collection activities:
- Repossessions
- New and Pending Lawsuits
- Wage Garnishment
- Collection calls
- Collection notices
- Foreclosures
If you have had a San Bernardino bankruptcy case dismissed within the last year, you will not automatically receive the protection of an automatic stay - your
San Bernardino Bankruptcy lawyer must request the stay from the courts and it must be approved. If approved, the automatic stay only lasts for 30 days, unless the courts can be convinced to renew it. If you have had more than one
San Bernardino bankruptcy case dismissed within the last year, you will not be entitled to any automatic stay, and it can prove very difficult to convince the courts to permit an automatic stay in these circumstances.
If you are concerned about paying off your debt and would like the protection a San Bernardino Chapter 13 bankruptcy can provide, contact our
San Bernardino Bankruptcy Attorneys. We have experienced
San Bernardino County Bankruptcy Lawyers available who specialize in Chapter 13 bankruptcy and understand how to ensure that you get the financial relief you deserve. Contact us today, arrange for a
free initial San Bernardino Bankruptcy case evaluation, and enjoy the freedom from collection activities while you get yourself back on track financially.