Automatic Stay

When you file chapter 13 or chapter 7 bankruptcy, you have basically thrown up a huge wall against your creditors.  This huge wall is the bankruptcy code’s “automatic stay.”  The automatic stay is essentially a federal injunction against any act to collect a debt.   This means that your creditors cannot contact you, garnish wages, seize money in bank accounts, repossess vehicles or sell your house without first going to the bankruptcy court judge and explaining why.  That’s where we come in.  We are your representative in court.  We file a plan with the court describing exactly how you intend on reorganizing your debt and then we go and enforce that plan.