Free Consultation with Bankruptcy Attorney Casey. (619) 447-6780

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Stay Becomes Permanent Upon Discharge of That Debt

When you, the debtor, get a bankruptcy discharge, the automatic stay is then replaced by an order of the bankruptcy court who issues a permanent injunction prohibiting creditors from further action against the debtor for debts that are discharged and are pre-petition debts.  New debts incurred after filing date of the bankruptcy are NOT discharged!

The Automatic Stay Does Not Stop Any of The following:

• Criminal proceedings against you. The law is not going to protect someone charged with a crime.
• Actions for child and spousal support orders or any action to modify any family support order.  
• Arrears for any collection effort are not stayed even if the property is not part of the bankruptcy estate.
• Taxes and Tax audit. What is stayed is collection of tax by a taxing authority such as the IRS, state income tax and more. They are treated just like any other creditors from collection efforts.

Violation of the Stay by Creditors.

Any creditor who willfully violates the stay in an individual case is liable for actual damages caused by the violation and possibly for punitive damages.   (Example: A creditor knew you filed bankruptcy and repossesses your car.  They will be responsible for damages they caused you.  If the violation was willful then punitive damages may apply.

Creditor’s Actions are Normally Avoidable

If a creditor takes some legal action or other actions after you file bankruptcy,  the creditor’s actions most likely will be considered void or avoidable.

My Office Only Represents Debtors

Unlike some attorneys who will also represent creditors, I commit to only representing the debtors since they are the ones who need help the most.  If you a considering a chapter 7 or chapter 13 bankruptcy please don’t hesitate to give my office a call.  We are NOT a bankruptcy mill, but an individual law firm who believes on helping individuals get the debt relief they need.  The bankruptcy laws are there to help the debtor get a fresh start.  For a free consultation, call the bankruptcy law office of David A. Casey at (619) 447-6780

If you have any questions regarding bankruptcy, you should seek legal advice. I Encourage my clients to ask questions regarding any issues involving their bankruptcy before or after filing.

(619) 447-6780

 Bankruptcy Services, Chapter 7, Chapter 13 Bankruptcy El Cajon, CA

We are a debt relief agency. We help people file for relief under the Bankruptcy Code.

No matter if your bankruptcy needs are simple or complex, with our pre-bankruptcy review we can determine what your best bankruptcy options are.  Part of the pre-bankruptcy is to determine if bankruptcy is the best option for you.  For most who are over their head in debts there are many positive benefits of filing bankruptcy. Bankruptcy laws are designed to help you get a new start. 

Debts is like an infection if you don't do anything about it, it will only get worst. Bankruptcy is the best medication around to get rid of the debts. For most people debt is like a very bad infection. It is painful and it will not go away without professional help. If you don't take medication by filing bankruptcy it will get worse. 

 If you are thinking about bankruptcy you know things are getting worst and so does your creditors. That is why they are calling you so much.  My law office is here to help you discharge your debts.

You're are always welcome to contact other attorneys after your free consultation and then decide who you are most comfortable with.   Don't just retain an attorney on fees since all of then are about the same.  However, what we offer is service and you are not just a number. Check what you are getting and don't settle on just being another number. In my law office I'll treat you like I would want to be treated.  My goal is to take the fear out of the process and to get you the best fresh start possible using the bankruptcy law.  From downtown San Diego to El Cajon I have clients who are glad they made the call. San Diego is only a short drive from my bankruptcy law office.

Bankruptcy Attorney for Debtors,  For El Cajon, California

(619) 447-6780

This communication is an “Advertisement” as defined by the California Rules of Professional Conduct and California Business and Professions Code. No communication herein shall create an attorney-client relationship unless a separate retainer agreement is signed by an attorney and client. This material is for informational purposes only and not intended to provide legal counsel or legal advice to you. Attorney Casey only represents clients in California. Bankruptcy automatic stay shields debtors who file a chapter 7 or chapter 13 bankruptcy.  Attorney Casey explains AUTOMATIC STAY. El Cajon Attorney over 22 years