Sacramento residents know that while creditors might have a right to collect a debt they don’t have a right to harass debtors with unreasonable calls and letters from lawyers.  Unfortunately, some collection companies do not follow the rules of bill collection.  This often happens when you are late on a credit card payment.  If you are employed, the creditor’s next move may be to bring a lawsuit against you and may even seek wage garnishment.

If a creditor obtains approval from the court to garnish your wages, you may be faced without enough money to meet your basic needs each month.  Fortunately, bankruptcy stops collection efforts, including lawsuits that are not final.  Within the bankruptcy process the debt in question will be addressed and you won’t have to deal with the creditor directly.

Contact us to schedule your free initial consultation to find out how we can help you.