Stop Harassing Phone Calls

If you ever had past-due accounts for credit cards or other types of unsecured debt, you may have experienced the "harassment" of creditors trying to collect. You may have received phone calls and letters asking you to bring your account current. You may have begged the customer service representatives to stop calling you and may have changed your phone number several times. They never seem to stop calling and sending letters! They continue to call you 10 times a day and send you 7 letters a week! Unfortunately, the "do not call list" does not prevent creditors from calling you in an effort to try and collect on a past due account.

We can help! Filing a chapter 7 bankruptcy in New Jersey will stop all collection efforts by creditors. You will receive no more calls or letters. After you bankruptcy petition is filed, the Court will send a notice to all the creditors listed on your petition. This notice will inform the creditors to stop all collection efforts immediately. This "automatic stay" protection remains in place until you receive the bankruptcy discharge. After receipt of the discharge, the debt is wiped out.