King and King Can Stop Your Creditors From Calling

Financial problems cause enough anxiety as it is. The last thing you need is harassing phone calls and threatening notices demanding payment. Filing for bankruptcy stops the harassing calls from debt collectors by order of an “automatic stay.” This gives you legal protection and stops the harassing phone calls.

The first thing to do is to consult with one of the attorneys at King and King to decide if filing is the right decision for you.  If so, once you file a petition in bankruptcy seeking Chapter 7 or Chapter 13 relief, the Court will order an “automatic stay.” This order means that all your creditors must stop contacting you immediately. If a creditor continues to call you after your case is filed, they are in violation of the automatic stay, which imposes stiff penalties.  Let us know and we will contact your creditor if necessary. Here are a few things creditors are never allowed to do.

• Harass you by calling in the middle of the night or by calling you over and over.
•  Call your place of work after you have instructed them not to.
• Use obscene or abusive language.
• Pretend to be an attorney, police officer or government official.
• Say that you have committed a crime by not paying a debt.
• Contact or threaten to contact a neighbor, relative or employer about your debt.
• Say that you will be arrested or put in prison.
•  Use threats of harm to you or your family.

Help is Just a Phone Call Away

When you are faced with a difficult financial situation, you need help. King and King can stop the harassing phone calls and put you on the path to financial freedom. Call us today at 404-524-6400 to discuss your options, your consultation is free, or visit us at www.kingandkingattorneys.com for more information.

Can Home Foreclosure in Georgia Be Stopped?

If you are facing foreclosure in Georgia, Bankruptcy is an option to prevent your home from being foreclosed upon. Filing for bankruptcy stops the foreclosure on your home by an “automatic stay” which will also stop most collection efforts against you. The taxing authority, a homeowners association, or your mortgage lender must cease their foreclosure actions immediately. Then you will have some time to decide what to do.

Filing a Chapter 13 Bankruptcy will stop foreclosure and can allow you to repay your past due payments over 3 to 5 years. Chapter 13 is a debt relief option that can not only stop foreclosure and allow you to save your home, but can also allow you to keep your other property while repaying your debts or in many cases reducing them drastically. Stopping foreclosure is a main reason people file for Chapter 13 bankruptcy. So, if you are eligible, Chapter 13 can stop foreclosure on your home.

If your lender is threatening foreclosure or has initiated foreclosure proceedings, contact King and King right away. You cannot save your home once the foreclosure sale is complete.  Unless you've recently filed a previous bankruptcy case, Chapter 13 will most always stop the foreclosure. If you’re like most people in Georgia, your home is your biggest investment. So when you are facing a foreclosure and the prospect of losing your home, you risk losing your biggest investment. Don’t wait until the day before the foreclosure sale to do something or it may be too late.

At King and King we have been helping people throughout Georgia stop foreclosure with Chapter 13 Bankruptcy, and we may be able to help you. Call us today for a free consultation at 404-524-6400 or visit us at www.kingandkingattorneys.com for more information.