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Bankruptcy Law Practice in Denver and the following areas
One of the major benefits of filing for protection under Chapter 7 is that all creditor actions are stayed/stopped. This means that debt collection efforts and foreclosure is halted. Once you have retained an attorney, direct contact with you by creditors and collectors must end once you inform the creditor or collector that you have retained an attorney to assist you with your bankruptcy filing. Federal law, pursuant to the Fair Debt Collection Practices Act, dictates this, and creditors that violate this rule may be sanctioned. Once the creditor has been informed, further contact should be documented in the case you decide to take them before the Bankruptcy Court for violating the "no direct contact" rule
This information pertains to Chapter 13 and Chapter 7 consumer bankruptcy. Each state has bankruptcy laws which apply only in that state. The information contained in the preceding is provided for general information purposes and is not a substitute for a legal consultation and it is not intended as legal advice. Every individual's debt and financial situation is different and you should seek independent legal advice regarding you specific situation.
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