The Automatic Stay ~ Stopping The Harassment

Our clients all say the same thing. Within minutes of filing for Chapter 7 or Chapter 13, their lives change.

  • The phone stops ringing morning, noon and night.
  • You no longer need to maintain a lookout for the repo man.
  • Your paycheck and bank accounts are suddenly safe from garnishment.
  • Your creditors can't even send you reminders by mail.
  • If your home is under foreclosure, the automatic stay will pause the proceedings (if you file for Chapter 7) or stop foreclosure dead in its tracks (if you file for Chapter 13).

Life Is Better When Constant Harassment Stops

What happened? With every filing, something called an automatic stay goes into effect. This is an order, backed by federal courts, telling creditors to back off. With the full power of the U.S. government behind your filing, only dumb creditors will keep annoying you — because they are risking contempt charges for their efforts.

You see how quickly everything changes?

Why Personal Bankruptcy Beats Debt Restructuring Scams

The automatic stay is a feature of Chapter 7 and Chapter 13. No such thing happens with so-called "debt consolidation" schemes.

And the automatic stay is just the beginning. In addition, Chapter 7 and Chapter 13 have the power to discharge debts that are not collateralized, such as medical bills and credit card debt.

Bankruptcy isn't fun. But the benefits of the automatic stay and the discharge of debt make filing for bankruptcy an attractive option compared with any other kind of debt relief.

Attorney Heidi Milam would be happy to discuss these benefits with you in a no-charge, no-obligation first-time conversation.

Call Heidi S. Milam, Attorney at Law, PLLC, in Southaven, Mississippi, at 662-655-1605, or write to our lawyer using this handy email.


We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.