When you start a Chapter 13, bill collectors are referred by you to our law office. We then handle all telephone calls and letters for you from your creditors. Most importantly, you will have peace of mind. It also stops foreclosures. It stops wage garnishments. It stops the repo of autos, trucks, RVs, and motorcycles. It stops nasty calls. It stops late charges and interest and penalties on credit card accounts, taxes, and other loans. It stops harassment for back child support.
You can lump almost every bill you have into one low monthly payment, and the majority of the time, creditors are powerless to do anything about it. They must accept your payback plan, whether they like it or not.