Safe Harbor Protects You From Creditors
Bankruptcy is known as a safe harbor because it protects you from adverse actions that creditors may take against you. Examples of adverse actions that bankruptcy will stop are wage garnishments, liens and harassing phone calls.
Stop Creditors with the Fair Debt Collection Act and the Help of Our Law Firm
The Federal Fair Debt Collections Act prevents creditor harassment and aggressive practices in collecting debt. By retaining us to file Chapter 7 or Chapter 13 bankruptcy, by law, the collectors must deal directly with our offices — putting a stop to the harassing phone calls at home and work, as soon as the next day. Contact us to learn how to stop wage garnishment, liens and “unfreeze” bank accounts.
My bank account is frozen – what can I do?
After a creditor gets a judgment against you, the most common first step in collecting on that judgment is to “restrain”, or freeze, your bank account. Call us for bankruptcy or non-bankruptcy options when your money is restrained in a bank account. If we decide that bankruptcy is the best option, the money in your account may be released from the restraint the moment we file a bankruptcy petition.
Call Us To Discuss Stopping Creditor Harassment Today – And Discuss The Following:
- Stopping collections calls
- Stopping wage garnishment
- Stopping a restraint on bank accounts and frozen assets
- Eliminating credit card debt through Chapter 7 bankruptcy
- Reorganizing debt through Chapter 13 bankruptcy
- Stopping foreclosure, keep your house and car
- Obtaining Credit Counseling
- Discussing debt negotiation or debt consolidation
- Life after bankruptcy
At the law firm of Jeffrey M. Rosenblum, P.C., we offer a free initial attorney consultation to discuss your financial situation and answer your questions about the protection that bankruptcy offers you. We have offices in Great Neck, Melville and Rockville Centre on Long Island and in Purchase in Westchester.
Stopping Garnishments and Liens
Your creditors can obtain a court order to garnish (or withhold) money from your paycheck or bank account to pay your debt. Creditors can also file a lien on your property to secure repayment of a debt.
If you have received notice of a lien or a garnishment, you should secure a lawyer's advice as soon as possible so you don't lose your money or your property. Filing bankruptcy will put an immediate stop to garnishments and liens. In some cases, money already garnished may have to be returned.
The next time creditors call, once you have retained the firm of Jeffrey M. Rosenblum, P.C. you can refer them to us and the creditor is required by law to stop calling you.
Free Attorney Consultation
For a free initial consultation with an experienced bankruptcy lawyer, call 866-394-2661 or fill out the contact form on this Web site.
Learn more about bankruptcy
Filing Chapter 7 and Chapter 13 bankruptcy
We are a debt relief agency. The Law Firm of Jeffrey M. Rosenblum, P.C. helps individuals and business owners file for bankruptcy relief under the U.S. Bankruptcy Code.
