How to Stop Harassing Phone Calls

If you’re tired of the fear that strikes you every time the phone rings because it might be a bill collector, or the sick feeling you get when you go to pick up the mail in anticipation of another demand letter from a creditor, help is available. Under federal law, once you file for bankruptcy, all collection activity is required to stop immediately.

Many people shy away from the idea of bankruptcy because they feel that it indicates some sort of failure on their part. In truth, thousands of families across the state have found themselves in financial hardship due to job loss, serious illness and other circumstances beyond their control.

Getting Back Your Peace of Mind

The provision in the law that ends harassment is called the automatic stay.  Creditors’ adherence to the automatic stay is important for many reasons.  Not only does it give you the time and space you need to get your affairs in order, it also allows the court to manage your case without any outside interference from creditors or other parties.

When creditors continue to attempt to collect a debt that was included in your bankruptcy, they are essentially in violation of a court order.  If you have trouble with over-zealous bill collectors once your bankruptcy petition has been filed, refer them to our office and we will handle the situation for you.  We will explain that we are assisting you with a bankruptcy and that any further communication regarding the debt should come through our office.

 

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Experienced Bankruptcy Attorneys

Many bankruptcy attorneys in Utah may claim to know financial law well, but in fact their main focus is something entirely different. At Ascent Law, our team of Bankruptcy experts focus primarily on Bankruptcy law so that you receive the best advice and service available.

Payment Plans Available

Knowing that you are facing what can seem like insurmountable debt, it can seem impossible that hiring an attorney is within your means. We understand that fear, and regularly work with clients to arrange a payment plan that fits within their budget.

Chapters 7, 11, & 13

There are several types of bankruptcy allowed by the State of Utah and the Federal government, and sometimes it can be a challenge to determine which fits your specific circumstance. We will look at your records and decide which is best for you.

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Having financial difficulties but unsure if there is a legal remedy? The bankruptcy experts at Ascent Law can take a look at your specific situation and help you look at any solutions that may be possible.

Negotiate IRS & State Tax Debt

We have vast experience with both local Utah tax authorities as well as the IRS. Our expert negotiators can get you the absolute lowest settlement amount so that you can pay off any government debt and move on with your life.

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Your credit and repairing your credit. As well as personal debt relief experts, we at Ascent Law of Utah have repeatedly worked with members of the local business community to eliminate debt.

Bankruptcy Benefits

Bankruptcy is the legal and ethical way to deal with debts that you cannot afford. There are different chapters, which may impact you differently.  Some of the benefits of bankruptcy include:

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