If creditors are pursuing you and are attempting to collect the money you owe, it can create significant stress in your life. You may be afraid to answer the phone or the doorbell, and even opening the mail may be fraught with worry. However, stopping creditor harassment is not an unattainable dream. At The Law Office of Cliff Brisson, Jr., we are here to help you do so.
Over the past 35 years, our Fayetteville collections defense lawyer has guided thousands of North Carolina individuals through collection and the bankruptcy process. He regularly represents members of the U.S. Armed Forces stationed at Fort Bragg.
As soon as you file for bankruptcy, your creditors are obligated to stop contacting you.
Filing chapter 7 or chapter 13 bankruptcy puts an automatic stay into effect. This prohibits creditors from attempting to collect on any debts you owe outside the bankruptcy process.
If a creditor has obtained a court-ordered judgment against you, we can take action to help protect your assets. Here's how the process works:
1.The creditor will first send a written motion, giving you a chance to declare any exempt property. You only have 20 days to fill out the form and file it at the courthouse or you waive your right to these exemptions.
2. If you waive your exemptions, the sheriff will come to your home with a writ of execution. He will have the authority to take your vehicle or any other assets he can find.
Our law firm will assist you in promptly completing and filing the necessary forms to keep as much of your property as possible out of the hands of your creditors. Let’s set up a free initial consultation about stopping creditor harassment; all you have to do is call us or send us a message. Payment plans are available for eligible clients. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.