Crucial Question: How Quickly Will the Creditors Stop Calling, Suing, Garnishing?
Two steps: 1) Hiring an attorney stops collection calls and some other creditor actions. 2) Filing bankruptcy stops everything else.
The Extraordinary Tools of Bankruptcy: Cancelling All (or Almost All) Garnishments
Most garnishments are stopped immediately if you file bankruptcy. But you don't want to file too late.
The Extraordinary Tools of Bankruptcy: Undoing Judgment Liens
Bankruptcy doesn't just write off debts. It can undo bad things that a creditor has done to you. Like a judgment lien on your home.
Help! I’ve Just Been Sued by a Creditor! What Do I Do Now?
Don't react to getting lawsuit papers by avoiding them. Treat the lawsuit as a great incentive for taking the first step towards a better life.