What Actions Must a Debt Collector Avoid

Even if you owe the money, there are some actions that a debt collector cannot take pursuant to the Fair Debt Collect Practices Act.

  1. A debt collector may only contact you between the hours of 8:00 am and 9:00 pm. The debt collector...

Property that is generally not part of the bankruptcy estate

Property that is generally not part of the bankruptcy estate is property that the bankruptcy trustee cannot take to pay your creditors.  That property is generally:

  1. Retirement and pension accounts.
  2. Property pledged as...

What is the automatic stay?

Upon the filing of your Chapter 7  or 13 Bankruptcy, an automatic stay goes into place which means that most creditors are prohibited from taking any action to collect a debt that you owe. If a creditor tries to collect a debt in violation of...