It’s incredibly stressful when bills pile up and creditors continue to call. However, relief is available, and a bankruptcy attorney can help you seek debt relief solutions if you’re facing financial hardship, and also hold off lenders if you experience harassment. Waiting too long can ultimately cost you everything, so don’t put off a consultation if you're experiencing the scenarios below.

When Do You Need a Bankruptcy Attorney?

1. Facing Foreclosure

Losing your home is a scary prospect, and when it seems you’ll never pay off your mortgage, lenders will threaten with foreclosure. Legally, they have the right to take it as payment, but a bankruptcy attorney can pause their motions. In most cases, you can stop foreclosure by filing for Chapter 13 bankruptcy. By doing this, all financial transactions are frozen while you develop a repayment plan with the courts.

2. Wage Garnishment

When you’re unable to pay bills, creditors can seek court approval to have your employer remove a designated amount of money from each paycheck. While this is a solution for them, it can have a significant impact on your quality of life. A lawyer will look into how the wage garnishment was filed and identify any process errors. They can also file to have it stopped, granting you full control of your repayment plan.

3. Creditor Harassment

If you’re dealing with financial hardship, frequent calls from creditors are not uncommon. However, there’s a fine line between following up and harassing. If they speak rudely or threateningly to you, then they’re overstepping their legal bounds, and you should consult with a professional. In many cases, lawyers can create solutions to silence them, especially if their calls are blatantly malicious.

If you seek debt solutions, turn to bankruptcy attorneys at Osborne, Tripp & Schmidt in Sparta, WI. They have extensive experience in this area of the law and can help you find an option to escape your financial troubles. Call (608) 269-2400 today to schedule a consultation and visit their website and Facebook to learn about their other services.