Florida Keys Legal

What is Chapter 7 Bankruptcy?

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What is Chapter 7 Bankruptcy?

Chapter 7 Bankruptcy is the most common form of bankruptcy filing. This type of bankruptcy filing accounts for as much as 65% of all Consumer Banking filings. An attorney can help you understand the powerful ways that bankruptcy laws can stop the bill collectors, stop foreclosures, and help your family survive these tough economic times. An attorney can help you deal with your creditors before, during, and after a bankruptcy proceeding. Before starting a bankruptcy, you are protected by laws that prohibit creditors from harassing you to collect money. Bill collectors may not contact you at unreasonable times at home, may not embarrass you by telling your family, friends, and employers about your debt, and may not contact you at work if they know your employer disapproves. Bill collectors may only contact your lawyer, if you have one. During a bankruptcy, you will receive additional protection from bill collectors, wherein, the court will order your creditors to stop their collection activities, including lawsuits, wage garnishments, repossessions, and telephone calls demanding payment. It is unlawful for your employer to fire you for seeking bankruptcy protection. After a bankruptcy, be cautious when dealing with creditors, as many may try to collect discharged debts. Consult our law firm if this occurs at 305.451.0013 for a free confidential consultation. We will review your situation and provide you information on your legal rights, options and responsibilities.