If you looking are for a bankruptcy lawyer in Tupelo, MS you have probably already considered filing for bankruptcy on your own. Before deciding to file on your own you should know that there are many state and federal laws that will apply to your case. A bankruptcy lawyer will explain which laws affect you and will help you determine if a Chapter 7 or Chapter 13 bankruptcy filing, or no bankruptcy filing at all makes the most sense for your current financial situation. Once you have decided on either Chapter 7 or Chapter 13 bankruptcy your lawyer will be able to tell you if you are eligible to keep your home and your vehicles.
Rest assured that once you have hired a bankruptcy lawyer and a bankruptcy petition has been filed you can expect to stop receiving phone calls from your creditors while at home or at work. If you are still receiving calls, threats of property repossession, foreclosure notices, regular monthly bills, debt collection letters, lawsuits, and continued wage garnishments contact your lawyer immediately. Threats that your discharged debts are being sold to other collection agencies are also illegal once a petition has been filed.
Do not attempt to negotiate with any of your creditors. Record the time and date of the calls you have gotten and all paperwork you have received by mail. Then, turn over all evidence of these activities to your lawyer so he can begin legal proceedings against them claiming that you have suffered because of the harassment. You may receive monetary damages from the creditors who refuse to leave you alone after they have received a court order to do so. Be sure to let your lawyer know if you have encountered any physical or emotional health problems, loss of work wages, or new wage garnishments. In addition to being ordered to pay you damages for the problems you have experienced due to harassment these creditors may be fined according to the Fair Debt Collection Practices Act for the attorney fees and court costs they incurred.
