You may be one of many Americans living in Ohio that need to file a bankruptcy and have wondered what kind of protection you get from the Federal government upon filing your bankruptcy petition. Upon filing your bankruptcy petition, an automatic stay is set in place. The automatic stay stops the creditor phone calls. It stops them from bringing or continuing a lawsuit against you. They can't garnish your wages or repossess your vehicle. They also must stop any efforts to foreclose on your home. The automatic stay essentially stops the collection efforts of creditors and gives relief to the debtor under the U.S. Bankruptcy Code. By law, the instant a bankruptcy is filed, an automatic stay is issued to all creditors. The automatic stay prohibits the creditors from all debt collection efforts including letters, phone calls, vehicle repossessions, wage garnishments, lawsuits, foreclosures, and sheriff sales.

You may be one of many Americans that need to file a bankruptcy to stop a foreclosure, wage garnishment, vehicle repossession, or unity disconnection. Many Americans living in Ohio are seeking relief by filing a Chapter 7 or Chapter 13 personal bankruptcy. Filing a Chapter 7 or Chapter 13 personal bankruptcy will allow you to get a fresh start and can help you rebuild your financial future. Speaking with an experienced Columbus Ohio Bankruptcy Attorney would be a good idea to determine your eligibility of filing a bankruptcy. For over 30 years, the friendly law office of Ralph A. Kerns & Associates has helped people file for protection under the U.S. Bankruptcy Code along with exploring other avenues that may be beneficial. We understand the stress of financial worry and are here to help you through the process. Through friendly service and aggressive representation, we ensure our client's rights are protected. We never hesitate to act quickly and efficiently when time is of the essence. Call today for a free consultation. Help is one phone call away!