Bankruptcy modifies the collection of all kinds of debt.

by Andy Miofsky,

Do you receive late notices and collection letters in the mail? You
probably opened them at first, but now do you just throw them in an
unopened pile, hoping to deal with them later – and later never comes?

Are you tired of explaining why you have not paid a bill, embarrassed
telling complete strangers your personal tragedies? Millions of
people behind in their bills do not look forward to opening the mail,
answering a phone or speaking to bill collectors.

Did you know you could modify the way all your debt is collected?
Yes, all your debt. 11 U.S.C. 362.

Did you know Congress passed a law that lets you eliminate entire
categories of debt? 11 U.S.C.727, 1141, 1328.

Isn't it time you started getting some Happy Mail?

At the first moment you file bankruptcy you automatically obtain
relief that modifies the way your creditors treat you. With few
exceptions, all collection activity must stop, all mail and phone
calls must stop and creditors must change the way they try to get
money from you.

Debt collectors are no longer permitted to contact you by telephone
while you are represented in a bankruptcy case. Peace of mind and
calm are restored to your life.

Student loans, mortgage companies, car title lenders, medical bills,
taxes, and credit cards debts are all included and are all covered by
the automatic stay when you file bankruptcy. Bankruptcy requires
creditors present their debt to the court for payment and only debt
you can afford to pay gets paid during your case. Many other debts
are discharged.

Some exceptional debt survives bankruptcy and may be collected from
you in the future. Hopefully after the bankruptcy case has shed you
from having to pay other debt you can be in happier place and able to
deal with the remaining bills.

For more information on these matters, please call our office at 305
548 5020, option 1.

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