When debt becomes overwhelming, anxiety can increase quickly with the additional stress of repossession, collections and lawsuits relating to collections. Creditors can threaten immediate repossession and immediate wage garnishment in their collection efforts.
Fortunately, you have rights. And, if you are in southwest Ohio or northern Kentucky, the Cincinnati-area lawyers of Zingarelli Law Office can help you right away. We welcome you to contact our law firm today for a free consultation.
A debt relief or bankruptcy lawyer can help you completely stop your creditors from taking action against you. How? Often the best option is Chapter 7, Chapter 11 or Chapter 13 bankruptcy. Bankruptcy protection switches the power to you after creditors begin to harass you.
Filing for bankruptcy stops creditor lawsuits. Bankruptcy protection creates an “automatic” stay on creditors’ rights to pursue collections and to file collection-related lawsuits. You can even make an emergency bankruptcy filing if you need to act fast to protect your property.
Stop creditor harassment. We help with collections and lawsuits even before you file for bankruptcy. Once you have retained our attorneys, you can refer creditors to us. After you file for bankruptcy, creditors have to stop contacting you and trying to collect.
Many collections efforts need court approval. Creditors are required to first obtain a judgment through a lawsuit before being able to legally take many collections-related steps, including repossessing certain property and garnishing wages. An attorney can tell you if creditors have proper documentation to collect in the first place—or can stop them from getting court approval by helping you to file bankruptcy.
For experienced bankruptcy legal help, contact a lawyer who has handled hundreds of bankruptcy claims.
For experienced legal advice to help stop collections and creditor lawsuits, contact Zingarelli Law Office online or call 513-381-2047 for a free initial consultation. With an office in downtown Cincinnati, Ohio, we serve clients throughout southwest Ohio and northern Kentucky. Weekday appointments are available.