Bankruptcy, Your Creditors and Your Rights
9 Stress Relieving Facts

1. Your Home
      We can usually stop mortgage company foreclosure proceedings or sheriff sales.

2. Your Landlord:
      If your landlord is trying to evict you, we may be able to stop that.

3. Your Utility Companies:
      If you are behind in your utility bills, we can notify utility companies so that your utilities are not shut off. If your utilities have been shut off before your bankruptcy has been filed, the utility companies normally must promptly turn your service back on after your bankruptcy has been filed.

4. Your Driver’s License
      If you have lost your driver's license due to inability to pay surcharges, we can work on helping you get your license back.

5. Your Car:
     We can notify car finance companies so that there will be no vehicle repossessions.  If your vehicle has been repossessed, it normally has to be returned to you upon submitting proof of full coverage automobile insurance.

6. Your Wages:
     If anyone is trying to attach your wages, they will usually have to stop.  If anyone already has a wage attachment against you, it will usually have to stop.  If any money is taken out of your wages after your bankruptcy has been started, it will usually have to be returned to you by the creditor that took your money. Sometimes we can even get money back that was taken as a wage execution before you filed bankruptcy, so please let us know if you have a wage execution. If $600 or more has been taken from your salary within the 90 days before your case is filed, there is a good chance that we can get you the money back

7. Your Bank Account:
      If anyone has frozen your bank account, we may be able to get your money back.

8. Your Taxes:
      If the IRS is withholding your refund or taking other action against you, that usually has to stop upon filing of bankruptcy.

9. Law Suits:
     If anyone is suing you for just about anything, that lawsuit will usually have to stop, unless the bankruptcy court gives the creditor or any other party that is suing you special permission to continue with the case against you.