How Bankruptcy Can Stop Your Creditors Dead in Their Tracks

Few things can be as stressful as the constant harassment from your creditors. If you've ever gotten to the point where you're afraid to answer the phone, or you just don't care anymore and ignore all of your phone calls, you definitely are in over your head.

Did you know that bankruptcy can stop your creditors dead in their tracks? No, I don't mean that literally. The bankruptcy judge will not execute your bill collectors or destroy your credit card companies, and that's not what you really want anyway. (Come on, be nice now. Think happy thoughts.)

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What the court can do on your behalf is to issue an automatic stay that prevents any creditors from contacting you regarding your debts. This bankruptcy automatic stay provision will stop foreclosures and evictions as long as a state judge has not already ordered them to go through. You'll be safe, at least temporarily, from wage garnishment and IRS seizures.

Now your creditors can request that the judge allow the foreclosures or repossessions to go through. Sometimes you can prevent this by proposing a reasonable repayment plan.

The point is that the automatic stay can give you some breathing room when dealing with those wonderful people known as bill collectors. Yes, I realize that everyone has a job to do, but your life is already stressful enough.

So are you drowning in your credit card debt or other kinds of? Have traditional programs like debt consolidation and repayment plans failed? Are your creditors refusing to negotiate?

While bankruptcy may not be your only option, you would do well to consider it and sit down with a financial adviser and bankruptcy attorney.

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