Stopping Creditor Harassment

Many people laboring under severe debt are able to juggle their finances until they face a wage garnishment, a frozen bank account, or collection calls that become frequent, intense and disruptive. One of the clearest and most decisive benefits of filing bankruptcy is to stop creditor harassment and eliminate ongoing garnishments and restraints on bank accounts and other assets.

At Macco & Stern, LLP, a primary purpose of our free initial consultation is to educate you about your rights and to explain what bankruptcy can and cannot accomplish for you. This includes explaining what your creditors can and cannot do under the law.

If you are eligible to file either Chapter 7 or Chapter 13 Bankruptcy, we can stop creditor harassment — including threatening and invasive phone calls to your home, work, neighbors and acquaintances. In most cases, we can also stop garnishments of your wages, remove holds on bank accounts, and prevent sheriff's sales of your assets.

Immediate Relief and Effective Legal Protection From Collectors

Once we file your case, an automatic stay goes into effect, making it illegal for creditors to call you, continue any pending litigation against you, or to take any action to collect money from you.

Act Now to Pursue a Sensible Long-Term Solution to Your Debt Problems

Under the relentless pressure from creditors, too many people liquidate retirement accounts, cash in insurance policies, sell homes and other assets far below market value, and borrow money they will not be able to repay. For most clients, bankruptcy or other debt relief options can save these critical assets.

The sooner you contact us , the sooner we can assist you.

We are a debt relief agency. We help people obtain relief under the Bankruptcy Code.