The automatic stay goes into effect when you file for bankruptcy protection.
For many people who’ve struggled with mounting debts for months or years, that will be the first time in a very long time that they could hear the phone ring or check their mail without feeling dread.
Once the automatic stay is in place, collections efforts by most creditors must stop.
Temporarily, garnishments will end. Threats of repossession, eviction, foreclosure, and the normal harassment you’ve probably gotten used to will finally be on hold. You can catch your breath.
For most of the clients we’ve represented, the automatic stay gives them a bit of calm and peace of mind while the problems that got them to this point become a thing of the past.
At Zelenitz, Shapiro & D’Agostino, we help New Yorkers get clear from their debt.
Call us today at 718-599-1111 for a free consultation with an experienced Queens bankruptcy attorney.