Stop Foreclosure, Wage Garnishments, Bank Attachments and Collection Calls.
Overwhelmed with Financial Problems?
If you are reading this you likely have been worried and frightened about your financial situation for some time. You’ve worked hard, paid your bills and built up your credit rating. Then something happened… you or your spouse lost a job or got divorced, maybe a family member got cancer or you had an accident and could not work. Now you find yourself in a real mess with few if any options. Don’t feel embarrassed, you are not the first and you are not alone. Because bad things happen to good people, Congress passed the bankruptcy laws. These laws can forgive some or all your personal debt to help you start over. Our office can assist with the filing of Chapter 7, Chapter 11 and Chapter 13 Bankruptcies.
The Law Office of Kim Parker P.A. and our highly trained professional staff are experts in bankruptcy. We know exactly how to prevent your losing your house or car or losing your wages to garnishment and how to stop harassing collection calls. We are totally dedicated to helping people get a fresh financial start and we can help you.
After 22 years of helping consumers, here is my best advice; talk with a bankruptcy expert as soon as you can. Most people wait too long to get help. Do not put it off, call us today. We will be honored to help you.
We also prosecute creditor violations made before you file and after you file bankruptcy. For example, if a creditor tries to collect an old bill after your Chapter 7 Bankruptcy discharge, this is called a post discharge violation. If we find one, we will pursue the creditor on your behalf. For one flat fee, we will be your attorney for YEARS to come, not just for a few months. Contact us for a free consultation.
When a bankruptcy is finished, and a debt has been properly discharged, it is rare that a demand for payment will be paid from a creditor. Most creditors know to play by the rules, or they will suffer the financial consequences. When it does happen, however, it is important that your attorney understands how to properly handle your case and represent you in court. We will help you pursue any damages that you may be owed as a result of the bankruptcy discharge violation.
It is essential that you have experienced legal representation to help you take advantage of your rights under the law. Even if we didn’t handle your bankruptcy case, we can still handle any discharge violation correctly and thoroughly.
A bankruptcy discharge is a powerful event because it releases the individual who filed for bankruptcy from liability for certain debts. The discharge is essentially a legal order prohibiting creditors from making any future collection efforts, and it ultimately has the power to make life after bankruptcy much easier for those who have filed. But what about creditors who fail to honor the bankruptcy discharge? Most times this type of violation is referred to as creditor harassment after bankruptcy, and it can really get in the way of the relief that bankruptcy is supposed to provide. Fortunately, creditor harassment laws are in place to protect people from precisely this type of harassment.
A bankruptcy discharge should stop creditors from continuing or bringing any new action against the person who received the discharge. Generally, this means that creditors cannot collect or recover certain debts, nor can they offset a discharged debt from the individual’s property. Moreover, once a bankruptcy is discharged, creditors are prohibited from harassing or threatening individuals, and also from selling a discharged debt to another collection agency. Many creditors ignore these broad prohibitions, however, and effectively violate the bankruptcy discharge. And, when this happens, victims of the discharge violation may have legal recourse.
Creditors may violate a bankruptcy discharge in many ways, ranging from making threatening collection calls to giving a negative report on an individual’s credit report after the discharge. Creditors who violate the bankruptcy discharge are in contempt of court, and can be liable for damages as well as attorney fees. Additionally, creditors who violate the discharge may be subject to statutory fines, such as those enumerated in the Fair Debt Collection Practices Act. As such, individuals who have been the target of creditor harassment after bankruptcy may not only be able stop the harassment, but also recover damages.
Most Discharge Violations prosecutions are handle through our firm with no money up front.