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The Automatic Stay

Filing for Bankruptcy in Kansas

The Automatic Stay

Filing a bankruptcy petition, whether under Chapter 7, Chapter 13 or Chapter 11, will offer a debtor immediate relief. This is due to the automatic stay, which is essentially a temporary injunction that prohibits any and all debt collection activity against the debtor. This includes creditor contact, collection lawsuits, the garnishment of wages, repossession, levies, liens and even foreclosure proceedings. This is one of the fundamental forms of protection and relief provided by U.S. bankruptcy laws. The debtor is given breathing room to attempt reorganization under Chapter 13 or 11 or the elimination of debt through liquidation under Chapter 7.

Interested in learning more? Call a Kansas bankruptcy lawyer who can provide you with insight and information based upon extensive legal knowledge and a thorough review of your particular financial situation. Rick Hodge has helped hundreds of debtors with their bankruptcy cases and is prepared to help you experience the much-needed relief that the automatic stay may offer you.

Experience Immediate Relief from Creditor Contact, Wage Garnishment, Repossession and More

First and foremost, it is important to determine whether bankruptcy is right for you. By reviewing your financial situation and discussing your immediate and long-term goals with you, an experienced bankruptcy lawyer can offer you information that is applicable to your specific needs. You can then make an informed choice about filing. Should you choose to move forward, your attorney can file your petition on your behalf. This must include all pertinent financial information related to your income, debt, expenses, property and more. This petition must be filed properly, or your case may be denied and you may be unable to file again for a set period of time.

Once your petition is filed, you will begin experiencing the protection of the automatic stay. If your mortgage lender has threatened foreclosure, your wages are being garnished, your property is in danger of being repossessed by the bank or you are receiving daily phone calls from creditors, all of this must cease. Just imagine: you will be able to answer the phone without worrying that an angry bill collector is on the other end. You will be given the breathing room to determine how to save your home or work out another alternative to foreclosure. You can begin the process of eliminating your debt once and for all.

Kansas Bankruptcy Attorney

You need experienced legal counsel through the bankruptcy process if you are to experience the full advantage that it has to offer. From the filing of your petition and the automatic stay all the way through to the discharge of your debt, you can count on our firm to guide and protect you. We handle bankruptcy and all related debt relief matters for clients throughout Kansas.

Contact a Kansas bankruptcy attorney today!

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