Foreclosures & Creditor Harassment 

Orange County Foreclosures and Creditor Harassment Lawyer

While confidently handling many Chapter 7 bankruptcy and Chapter 13 bankruptcy matters, we at the Law Offices of Cynthia L. Gibson provide guidance and advice to clients regarding foreclosures and creditor harassment. We strive to help clients understand their rights and how to effectively deal with these issues. To learn more, please see the sections below or contact our Los Angeles, California, office today and schedule your free initial consultation.

Foreclosures

The foreclosure process can be complicated and confusing. Having an experienced foreclosures attorney can aid in your ability to fully exercise your rights. The foreclosure process starts with a notice of default. This begins a 90 day time period in which action may be taken to prevent the foreclosure. Once the 90 day period expires, you will receive a notice of trustee sale. This gives an individual another 21 days to stop the foreclosure. At any point during either of these time periods, the bankruptcy can be filed. Once you file for bankruptcy, the foreclosure process stops. However, you cannot file bankruptcy to get property back once the trustee sale has occurred.

Stopping Creditor Harassment

Being in debt is a difficult situation to be in without having to deal with harassing calls from those to whom you owe money. Though creditor harassment is an unpleasant experience for any individual, there are avenues through which an end to the harassment can be pursued.

After you have filed for Chapter 7 bankruptcy or Chapter 13 bankruptcy, a creditor will receive notice of the filing. After this notice is received, an automatic stay is put into effect. This means that your creditors are not allowed to do anything in an attempt to collect on a debt during the time that the stay is in place. Some of the types of forbidden actions are listed below.

• Calling your home or workplace
• Sending threatening letters
• Continuing to mail bills
• Foreclosing on or repossessing a property
• Wage garnishment

Once our firm is retained, all creditors and collection agencies that are pursuing you can be referred to our office.

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

You do not have to face foreclosure or creditor harassment issues alone. Contact a lawyer at the Law Offices of Cynthia L. Gibson today to discuss your case and needs during a free initial consultation.

A small business and personal bankruptcy law firm in Los Angeles, serving all of Orange County, including Seal Beach, Gardena, South Bay, Torrance, Long Beach, Huntington Beach, Lakewood, Santa Ana