Stop Creditor Harassment In Macon, Protect Your Home And Take Back Control Of Your Life.

Do creditors keep calling you and sending you letters, issuing threats to get you to pay your bills? You don’t have to tolerate this treatment. Instead, contact L. Wayne Gilleland, Attorney at Law. He understands how unnerving creditor harassment can be, especially when you literally do not have the funds to pay your mortgage loans and medical costs, much less your credit card debt.

Since 1976, the firm has been helping individuals find effective debt relief through the Bankruptcy Code. Mr. Gilleland represents clients in Bibb County and throughout Middle Georgia.

What Mr. Gilleland Can Do For You

After answering your questions like those listed above, Mr. Gilleland will help you understand the benefits of both Chapter 7 liquidation bankruptcy and Chapter 13 reorganization bankruptcy. Filing for bankruptcy creates an automatic stay that immediately protects you:

• Stop foreclosure: Keep your family in your home and halt the foreclosure process
• End wage garnishment: Keep your full paycheck for your family’s needs
• Halt vehicle repossessions: Ensure you have your car to get to work and manage daily life
• Stop creditor harassment: End the constant phone calls, letters and threats
• Freeze collection lawsuits: Pause legal actions and give yourself breathing room
• Eliminate liens and levies: Stop creditors from seizing your assets

The automatic stay takes effect as soon as you file, giving you immediate relief from the financial pressure you’re facing. Meanwhile, the firm can also provide guidance for any questions you may have.

Will I lose my home if I file for bankruptcy?

People often lose far less than they anticipate when they file for bankruptcy. Chapter 7 bankruptcy does require you to liquidate any nonexempt assets, and the proceeds are then used to pay back creditors before other debts are forgiven. However, the list of assets that are exempt from liquidation is pretty broad. There are many potential exemptions, such as the homestead exemption for your primary residence, personal property exemptions, vehicle exemptions and much more. Additionally, Chapter 13 does not require liquidation, so you can keep your home and property while setting up a repayment plan that consolidates your debt.

How can my creditors garnish my paychecks?

To garnish your paychecks, creditors have to get a court order. Garnishment is not something that they can do on their own. Once they have that court order, however, the garnishment is out of your control. Your employer will withhold the funds that are being garnished, reducing the amount that you are paid during each pay period. This is one reason why it can be helpful to understand other tactics you have to address this outstanding debt, such as potentially filing for bankruptcy – which can stop wage garnishment.

My car has been repossessed. How can I get it back?

Filing for bankruptcy creates an automatic stay that pauses the repossession action. If the car has already been repossessed, you can then petition the court to return it to you. After all, if you have a Chapter 13 bankruptcy repayment plan, it may be necessary for you to have a vehicle so that you can continue working and make those monthly bankruptcy payments. But it is important to note that you should act quickly, as the lender who reclaimed your car likely intends to sell it.

Is there a way to stop creditor harassment?

Yes. Filing for bankruptcy creates an automatic stay on any other actions against you. Creditors are not allowed to contact you and ask for repayment, any foreclosure proceedings have to stop, etc. The bankruptcy case takes precedence, so the court has to process that case first. Once it concludes, the automatic stay will be lifted. But by that point, you should have a resolution – either by liquidating assets and paying off creditors under Chapter 7 or by creating a repayment plan under Chapter 13.

After answering your questions like those listed above, Mr. Gilleland will help you learn about the related benefits of both Chapter 7 liquidation bankruptcy and Chapter 13 reorganization bankruptcy, such as the automatic stay. As soon as you file for bankruptcy, all creditor harassment, foreclosures, repossessions, garnishments, liens, levies and creditor lawsuits will be stopped.

It is crucial to consult with a knowledgeable bankruptcy attorney who understands the nuances of bankruptcy law and offers practical legal advice regarding your unique financial circumstances. L. Wayne Gilleland, Attorney at Law, is here to help you eliminate your debt and reclaim your life.

You are more than your debt. Don’t let creditors dictate your future for another day. Whether it’s Chapter 7 or Chapter 13, Wayne Gilleland provides the road map to your financial recovery.

Discuss Your Options During A Free Initial Consultation

Contact L. Wayne Gilleland, Attorney at Law, for reliable legal help if you are considering filing for bankruptcy. The firm offers free initial consultations to prospective clients in Macon and throughout Middle Georgia. Law office hours are Monday through Friday from 9:30 a.m. to 5:30 p.m. and evenings by special appointment. To schedule your free initial consultation, call 478-207-6901 or contact the firm online.

L. Wayne Gilleland, Attorney at Law, is a debt relief agency. The firm helps people file for bankruptcy relief under the Bankruptcy Code.