Debtor/Creditor

Riverside Debtor-Creditor Help

Harassing phone calls and demanding letters can add stress to an already stressful financial situation. Creditors will stop at virtually nothing to collect a debt. At Winfield Payne & Associates, we represent debtors in bankruptcy filings. Attorney Winfield Payne can file for an automatic stay which prohibits the harassing phone calls and letters.

Are you interested in speaking with a lawyer regarding debtor-creditor issues? Please contact attorney Winfield Payne today to arrange a free consultation. Since 1979, Mr. Payne has provided hands-on legal representation by personally preparing and filing all bankruptcy documents.

Credit Card Debt

Generally, credit card debt goes to an outside collection agency after a 90 day default on payment. The amount of debt significantly increases when it is sold to the collection agency. The collection agency will frequently make aggressive phone calls and send notices. The collection agency may also bring a lawsuit or garnish pay. Fortunately, this can all be avoided through bankruptcy.

Helping with Secured and Unsecured Debt

Your initial meeting with Mr. Payne will involve a thorough analysis of your debt. Mr. Payne can advise you on bankruptcy chapter selection and help you with your next steps. When our firm files your bankruptcy case, the court will issue an automatic stay. The automatic stay will stop all collection, repossession, and foreclosure attempts. The action means creditors can no longer make phone calls, send letters, or make any other attempts to collect the debt. Additionally, if a creditor does call you after we have filed bankruptcy, you can refer the creditor to our firm.

Contact Mr. Payne, an experienced debtor and creditor attorney, today to learn how he can help you.