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  • Spectacular!

    I liked your fast, friendly service. You were all knowledgeable in the area of bankruptcy. Your treatment of me as a client was spectacular! You were great at promptly responding to my questions and concerns. I loved that you provided courteous and quick responses to all my questions.
    --Donna
  • Highly Recommended!

    I have worked with Seth and he is the utmost professional in how he works with his clients. If you need an attorney you can trust I would highly recommend the Law Office of Seth Hanson.
    --David
  • Very Professional.

    Everyone was very professional and efficient. Seth, and everyone that I had contact with were very knowledgeable. I was very pleased with how we were treated by his staff. My questions were always answered promptly. I was very pleased with the service I received and would not hesitate to refer someone to your firm.
    --Anonymous
  • Non-judgmental.

    You were very open and answered all of my questions. You never made me feel like I was asking a dumb question. I was comfortable with your knowledge of the law. It was hard for me to make this decision to move forward in my life. Everyone was friendly to me and respectful. Non-judgmental. Every question I asked was answered promptly and appropriately. I would recommend you.
    --Anonymous
  • More Than Expected!

    I found the firm's representation to be more than what I expected. I was always kept in the loop, all my questions were answered (whether or not I asked more than once the same question), and I felt completely supported by the firm staff when going through this (at times) scary ordeal. Thank you again.
    --Joanna
  • Very Impressed!

    I liked that you had very friendly, caring staff. You were all very knowledgeable. Your treatment towards me was excellent and you quickly responded to all my concerns. If a friend asked of your overall impression, I would say that we were very impressed and we would recommend you to them.
    --Danielle

Stopping Credit Collections

stopping credit collectionsOne of the major concerns of individuals under a debt is the constant harassment from the creditors with respect to the collection of the outstanding balances. Many people have trouble managing their finances. Many more suffer under massive debts that seems largely unaffordable. One option is to can file for a bankruptcy and repay or discharge your debt. This can give you a fresh start with a clean slate. In addition to this, a bankruptcy can also help in stopping credit collections and providing you peace of mind.

Stopping credit collections

When you file for a bankruptcy (chapter 7 or chapter 13) the bankruptcy court issues an automatic stay. This order instantly goes into effect. The primary purpose of this automatic stay is to provide the debtor with “a breathing spell from his creditors. It stops all collection efforts, all harassment, and all foreclosure actions”. To put it in simpler words, the automatic stay prohibits the creditors from pursuing their collection activities. It also restricts all forms of communication regarding the matter, including phone calls, emails, home visits and so on.

However, this automatic stay only temporarily stops the collection activities until the bankruptcy case is not dismissed. For instance, if you file for chapter 7, the automatic stay will remain in effect for the duration of the lawsuit. This is typically around three to four months. A chapter 13 takes around three to five years to be administered. Therefore, the automatic stay will protect your interests for as long as the case is pending in the court, provided you ensure timely payments according to the new repayment plan.

In some cases, the automatic stay will not go into effect at all or last only a period of thirty days. For instance, if you file two consecutive bankruptcies within a year, the automatic stay will not be triggered unless you prove in the court of law that the petition has been filed in good faith. Your bankruptcy lawyers in Sacramento can walk you through the process to halt creditors immediately.

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