Automatic stay protection means that all actions against you — foreclosure, an IRS levy, wage garnishment — will be frozen until the bankruptcy can be sorted out. If you have been feeling pressure from bill collectors and the mortgage company, automatic stay protection can be a welcome relief.
Automatic stay protection provides an opportunity to plan what's next.
An experienced bankruptcy lawyer can sit down with you, listen to your circumstances, and help you decide the best steps to take to get through the bankruptcy process. Can you arrange more affordable terms on your mortgage? Can you renegotiate a loan on a secured debt? Should you file for Chapter 7 bankruptcy? Would it be better, given your unique circumstances, to file for Chapter 13 bankruptcy? Are there other options that could solve your financial problems?
Stop wage garnishment. Stop foreclosure. Contact a bankruptcy lawyer.
The first consultation is free at the law firm of Coggins & Johnston. It will give you a chance to get answers to your questions and make an informed, educated decision about your future. No matter what your decision, we can help you end the financial struggle and get a fresh start.
Before you file bankruptcy and once you retain Coggins & Johnston you can refer all your creditors to us, under the law they can no longer call you!
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
The Coggins & Johnston law firm in Roseville, California, represents bankruptcy and foreclosure clients in Sacramento, Roseville, Rocklin, Granite Bay, Lincoln, Citrus Heights, Davis, Rancho Cordova, Folsom, Woodland, Carmichael, North Highlands, Yuba City, Fair Oaks, Orangevale, El Dorado Hills, Auburn, Placerville, Gold River, Loomis, CA, and other communities in Placer County, Sacramento County, Yolo County, El Dorado County, Yuba County, Central California and Northern California.
