Union County Creditor Harassment Lawyer

Cranford Debt Collection Attorney

Creditors can be relentless. To collect a debt, they will call you continuously at your home or even call you at work. If constant collection calls and threatening collection letters do not result in full and prompt payment of your debts, they may seek to garnish your wages or even file a lawsuit to force payment of your debts.

If you are sick of creditor harassment and want to find a solution to your debt challenges, bankruptcy may provide the relief you are seeking. Through bankruptcy, you may be able to:

  • Stop harassing collection calls
  • Stop a wage garnishment
  • Stop an auto repossession
  • Avoid home foreclosure
  • Get a fresh start

If you are struggling with debt and need a strong advocate who will protect your rights, I encourage you to contact my law office in Cranford, New Jersey. I am Benjamin J. Ginter, an experienced Union County bankruptcy lawyer who is committed to helping people find solutions to difficult debt challenges.

The Power Of The Automatic Stay

From the moment I file your petition for Chapter 7 bankruptcy or Chapter 13 bankruptcy, an automatic stay goes into effect that temporarily halts most creditors from taking further adverse collection activity against you. You may put a halt to auto repossession, home foreclosure and harassing collection calls. You can even halt many types of wage garnishments and stop the enforcement of many types of civil judgments.

The automatic stay provides a measure of protection against most creditors while your bankruptcy case proceeds. If you are eligible for Chapter 7 bankruptcy, you will be able to completely discharge most forms of consumer debt, including credit card debts, medical bills and most other unsecured debts. If you are eligible for Chapter 13 bankruptcy, you will pay back the amount of debt you are able to repay gradually over a three- or five-year debt repayment plan, which is approved by a bankruptcy court. To learn more, visit our sections on Chapter 7 bankruptcy and Chapter 13 bankruptcy, or call my office for your free consultation.

Take Your First Step

You do not have to live with the constant stress and anxiety of debt. Call me today at 908-418-4084 for your free consultation or contact me by e-mail. I am happy to answer your questions about bankruptcy, help you determine if bankruptcy is right for you, and help you determine which type of bankruptcy is best for your particular debt situation.