Bankruptcy Protections

If you are facing actual or threatened action by creditors or debt collectors, you should know that bankruptcy offers many protections for you and your family. There are many important protections offered by bankruptcy that serve to protect you and your assets from actual or threatened actions by creditors and debt collectors.

What Are the Protections of Bankruptcy?

Here are the main ways that bankruptcy protects you and your assets. Bankruptcy can stop foreclosure of your home, stop a wage garnishment, stop a bank levy, stop harassing phone calls, and stop a lawsuit. There are many other protections of bankruptcy, all designed to help you exercise your constitutional right to file bankruptcy and get a fresh financial start.

Stop Foreclosure

Bankruptcy will stop foreclosure of your home dead in its tracks, even if you file bankruptcy on the eve of a foreclosure sale. An experienced bankruptcy lawyer can help you permanently stop foreclosure of your home through the bankruptcy process, and you may even be able to erase your second mortgage.

Wage Garnishment

Filing bankruptcy will stop a wage garnishment and restore your income level to where it was before your wages were garnished. Bankruptcy can also get rid of the underlying debt that you owe your creditor so that you can have a fresh start. A bankruptcy attorney can help you minimize how much is garnished from your wages.

Bank Levy

Filing bankruptcy will stop a bank levy and depending on the circumstances filing bankruptcy. With the help of a good bankruptcy lawyer, you may even be able to recover your money that was recently taken from your bank account through a levy.

Stop Calls

Creditors can be relentless when it comes to debt collection. Bankruptcy puts an end to harassing phone calls. The filing of a bankruptcy imposes an automatic bankruptcy stay that acts as a freeze on future phone calls. This stops the stress caused by relentless creditors and debt collectors that call multiple times a day, in the morning, midday and at night.

Stop Lawsuit

If you are confronted with an actual or threatened lawsuit, you need to know that bankruptcy can stop a lawsuit and in most cases will wipe out the underlying debt. If a judgment has already been entered against you, filing bankruptcy can also eliminate the underlying debt and judgment.

Married Couples

There are special bankruptcy protections for married couples, even when only one spouse is filing bankruptcy. Depending upon the nature of your debts and the type of bankruptcy filed, a bankruptcy filing by one spouse alone can protect you and your family from your creditors. An experienced bankruptcy attorney can advise you as to the protections that apply to you and your spouse as a married couple.

Bankruptcy Stay

When you file bankruptcy, an automatic bankruptcy stay stops creditors from taking actions against you or your property. The bankruptcy stay acts as a bankruptcy freeze, that freezes collection activity and lets you breathe while you exercise your right to seek debt relief and get a fresh start.

Discharge Injunction

When your bankruptcy case is completed and you receive your bankruptcy "discharge" that eliminates your debts that can be eliminated in bankruptcy, and upon entry of your discharge a discharge Injunction goes into effect and continues to stop creditors and debt collectors from calling you or taking any other action to attempt to collect a debt against you personally with respect to a debt that has been discharged.

Your Legal Right

Through the United States Constitution, and Federal Law, the Federal Government gives you the right to file bankruptcy San Diego! Bankruptcy is your legal right. Protect yourself. Your legal right is there for a reason: to give you legal protection when you need to use it.

Free Attorney Consultation

If you have any questions about the bankruptcy protections, contact Bankruptcy Legal Center in San Diego, California, to set up a free attorney consultation with a San Diego bankruptcy lawyer. Talk to an attorney today, and discover all of the protections afforded to you by bankruptcy relief.

"From our first meeting, Mr. Aalam was most helpful in explaining the bankruptcy process, my options within the process and the road ahead toward my bankruptcy filing. I did not have to research any of this on my own as my bankruptcy lawyer told me what was needed for my bankruptcy filing and his office staff kept me aware of court dates and filings through email and phone calls. I would without hesitation, recommend Mr. Aalam to my friends and family to be their bankruptcy lawyer."
-Tom, San Diego, CA.

"If you are looking for an honest attorney to help you file bankruptcy then you need to call Mr. Aalam. He was my attorney on my case and I felt extremely secure and confident. Mr. Aalam was very professional and knowledgeable and I always felt as though he genuinely cared about my case. I recommend him to everyone who is looking for a bankruptcy attorney."
-Nellie, San Diego, CA.

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