Charles J. Schneider, P.C.certified consumer bankruptcy specialist
forms for your office visit
call today 734-237-1523
Practice Areas Menu In This Section

Tired of creditors calling? Bankruptcy will stop that

Let's acknowledge a truth: being in debt is incredibly stressful. No one likes the feeling of not knowing how they're going to pay their bills.

All the calls from creditors only make matters worse. It can seem like their calls are coming all hours of the day and night. What are you even supposed to tell them? If you could afford to pay them you would have, right?

Did you know that filing bankruptcy will put a stop to calls and collection actions? In many cases, declaring bankruptcy is your best option to stop the stress and get a fresh start.

The power of the automatic stay

Every bankruptcy comes with something called an "automatic stay," which goes into effect as soon as the bankruptcy is filed. The automatic stay puts creditor and collection actions on hold so the underlying debts can be resolved through the bankruptcy process.

In addition to creditor calls and collection actions, the automatic stay also stops a lot of the other stressors that come along with being in debt. These include:

  • Wage garnishments
  • Threats to turn off utilities
  • Evictions
  • Foreclosures

It's much easier to focus on moving forward when these immediate stressors are stopped.

Is bankruptcy right for you?

The first step to getting your debt under control is recognizing that you need help. Schedule a consultation with a bankruptcy attorney to talk through your options.

If bankruptcy is right for you, your attorney can help you determine when and how to file. It is important to get the timing right. Additionally, you'll need to determine whether filing Chapter 7 or Chapter 13 is more advantageous for your personal situation.

Charles J. Schneider is a certified consumer bankruptcy specialist who helps people in the Detroit area and throughout Michigan. Our firm offers free initial consultations, where we can help you understand your options under the law.

No Comments

Leave a comment
Comment Information
  • rating

    Posted by MaryDecember 11, 2015

    "I am overwhelmed by your response to my call, even 10 years after my bankruptcy was discharged. You have more knowledge and expertise than I could have imagined. Because of you, my fears have been put to rest. For that, I'm so very grateful. Thank you many times over. "

  • rating

    Posted by ClientOctober 26, 2010

    "... I was extremely impressed with Charles' understanding of the bankruptcy laws to the extent that I felt certain that my best interests were always at the forefront. "

  • rating

    Posted by MarleneJanuary 8, 2014

    He helped me thru my 1st bankruptcy and now the second. I had no idea what to expect , but they kept me informed and answered all my questions. Mr. Schneider is the most experienced and knowledgeable lawyer I have ever met. If you have to file call this attorney first!

  • Avvo Rating 10.0 superb | Top Attorney Bankruptcy
  • Rated By Super Lawyers Charles J. Schneider | visit | super lawyers 2011-2015
  • Avvo Ratting 10.0 superb Top attorney chapter 7
  • Avvo clients' choice 2014 | chapter 7
  • American board of certification | certified consumer bankruptcy specialist
  • AV lexisNexis Martindale-Hubbell Peer Review Rated for ethical standards and legal ability
email us for a response

Let us evaluate your situation
and identify solutions

Bold labels are required.

Contact Information

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.


Privacy Policy