By Jeff Field | Published May 11, 2026 | Posted in Bankruptcy | Tagged Tags: automatic stay, bankruptcy, foreclosure | Leave a comment
Repeated Bankruptcy Filings Can Limit Automatic Stay Protections
The automatic stay is one of the most powerful protections in bankruptcy. It typically takes effect immediately upon filing and stops most collection activity, including lawsuits, foreclosure actions and repossessions. For many filers, it provides immediate relief from creditor pressure. That protection is not unlimited, however. When someone files multiple bankruptcy cases within a short Read More
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Can Personal Bankruptcy Prevent an Imminent Vehicle Repossession?
Repossession is always a risk when someone falls behind on the payments for their vehicle. Depending upon the terms of the purchase agreement, even a single missed payment can potentially spark immediate collection action. If someone knows that they’re in danger of losing their car or truck, they might wonder if filing for bankruptcy will Read More
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What Happens if You Default on Your Chapter 13 Plan?
A Chapter 13 bankruptcy can be an effective way to bring debt under control while preserving your most important assets. It allows you to structure a plan for repaying a portion of your debt over a three- to five-year period, with the rest being discharged afterward. However, financial difficulties encountered during the life of the Read More
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When Can a Creditor Get Relief from the Bankruptcy Automatic Stay?
The day you file a Chapter 7 or Chapter 13 case with the bankruptcy court, an automatic stay is imposed that requires your creditors to cease their collection practices. The stay prohibits phone calls, letters, lawsuits, wage garnishments and executions on property, such as mortgage foreclosures. The court can impose penalties such as attorneys’ fees, Read More
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Using the Automatic Stay in Bankruptcy to Block Wage Garnishments
If you fall behind in paying debts, you may be subject to a wage garnishment. A creditor might obtain a court order requiring your employer to impound a portion of your wages or salary each pay period and to send it to the creditor. Garnishments can be devastating as they can leave you with insufficient Read More
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Does Chapter 13 Prevent Car Repossession for Overdue Payments?
In many areas of the country, people need a car to commute to their jobs, get groceries and attend to other life activities. In such circumstances, the prospect of having a vehicle repossessed may be a disaster second only to losing a home to foreclosure. Fortunately, a Chapter 13 bankruptcy offers a variety of potential Read More
Read MoreFinancial Strategies During the COVID Economic Crisis
As a result of stay-at-home orders, job losses and business closures, the coronavirus pandemic has caused many families to suffer significant economic hardship. While filing for bankruptcy may be an option, there are also a number of financial strategies you should consider that can help you tackle your debt and protect your finances during these Read More
Read MoreBankruptcy Can Provide Immediate Help for Struggling Debtors During the COVID-19 Crisis
Millions of Americans have been left unemployed as companies close their doors or reduce operations due to the coronavirus pandemic. While protecting public health and saving lives remain the utmost priorities, this is cold comfort for people struggling to meet their living expenses without an income. However, there are legal remedies that you can turn Read More
Read MoreEnding Georgia Wage Garnishments by Filing for Bankruptcy
After a creditor has obtained a judgment, the creditor may seek an order allowing garnishment of the debtor’s wages. If approved, this remedy generally allows a creditor to take up to 25 percent of the debtor’s disposable weekly earnings, which consist of gross pay after taxes, social security, state unemployment insurance, and employee retirement contributions. Read More
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