Brooklyn Bankruptcy Attorney what the banks don’t want you to know that banks use the lower to protect
their rights and to click money that you owe them
what many people don’t realize I that they’re also laws to protect them the following are the top six things
that banks will rather you don’t know number six if you’re late
in paying your credit card you have rights under the Fair Debt
Collection act the Fair Debt Collection act brooklyn bankruptcy attorney is a federal law that gives you certain
rights for example if a collection agency calls you you have the right to tell them not to
call you anymore and they must stop and the other example collectors can’t call you all hours a
day and night still another example when sending you
collection letters they must provide certain know this is
to you if they violate this requirement lawyers such as myself can sue them at
no expense to you and obtain money from them number five if you’re late in paying your creditors
they can simply gonna show salary but take money from
your bank account bill collectors may threaten you with
garnishing his salary taking the money from your bank account
but they can’t do that without first silvery with a
summons and then getting a judgment from the
court number four if you’re sued by your creditors you
have the right to to respond if you receive a summons from your
creditors you should not ignore them you have the
right to answer and have them prove their case you also have the right to discovery for
example had them answer questions are present
selling to testify you can even hire a lawyer such as
myself to represent you number three every
crevice get a judgment against you is extremely unlikely that they’re going
to come to your home and take your belongings effin unsecured
creditor such as a bank issuing a credit card
gets a judgment against you is extremely unlikely they’ll send the
Marshall sheriff to your home to take your belongings that is because
by law or current I’ll keep certain possessions
further your personal possessions very lightly
don’t have much value it would not be worth the effort to have
your stuff taken and soul however if you have a secured
creditor such is the case have a car loan you
fall behind the very lightly would be processed the
car number two if you behind in paying your mortgage
you may be able to catch up by filing chapter 13 bankruptcy chapter 13 allows you up to five years
to repay your careers if you chapter 30 repayment
plan is approved by the bankruptcy court that
back miss also accept your payments and now the number one thing thanks down number one if you file chapter 7
bankruptcy your unsecured creditors such as credit
card companies won’t be able to gonna your salary or
take money from your bank account and best herbal you won’t be responsible
for paying them bankruptcy lawyer when you file a chapter 7 bankruptcy and where medics days issued by the
court that immediately stop secret is from or collection activity including garnishments and freezing your
bank accounts bankruptcy attorney once the discharged issued by the court
your unsecured debts including credit cards will be eliminated my name is Jeffrey
Peltz bankruptcy lawyer over the past 25 plus years I have
helped 1000 clients with bankruptcy if you live in New York
or New Jersey call to schedule a free consultation bankruptcy attorney of brooklyn