What is The Automatic Stay?

Bankruptcy & the Automatic Stay

Counsel from a Gainesville Bankruptcy Attorney

Often referred to as one of the most significant advantages of bankruptcy, the automatic stay is responsible for stopping all creditor action against you. It has the power to protect much of your property and valuable assets. To take advantage of the automatic stay, consult with a Gainesville bankruptcy lawyer. My firm can help you determine if bankruptcy is the right choice for you and how the automatic stay may work in your favor.

To learn more, schedule your free consultation now!

What actions can the automatic stay prevent?

The automatic stay goes into effect the moment you file for either Chapter 7 or Chapter 13 bankruptcy. Depending on the chapter you file under, the automatic stay can impact your circumstances in a variety of different ways.

The automatic stay directly prevents the following:

  • Utility disconnections are prevented for at least 20 days by the automatic stay
  • Foreclosure is temporarily stopped by the automatic stay and can prevent homeowners from losing their home
  • Collection of overpayments of public benefits is banned when the automatic stay goes into effect
  • Multiple wage garnishments are completely forbidden thanks to the automatic stay

The automatic stay does not prevent certain things, such as support lawsuits, criminal proceedings, and loans from a pension. In other cases, a creditor may be able to petition the court to remove the stay. This option, however, is only used in very specific cases.

Bankruptcy can be confusing and many people feel ashamed to ask for help. In reality, seeking out the assistance of a professional is one of the best things you can do. When your property is on the line, you can never exercise too much caution. I would be honored to devote my experience as a bankruptcy attorney to your case!

Get in touch with my firm today for personal representation in Gainesville and beyond.

Our Clients Become Our Friends

We truly care for you!
  • “Barbara's handling of our bankruptcy exceeded our expectations.”

    K. & J.

  • “Mrs. Cusumano and her staff were very professional and helpful during the entire bankruptcy process...”

    Billy J

  • “She goes the extra mile advising her clients to help them make an educated decision.”

    P. Burns

  • “She took the stress from my situation off of my shoulders.”

    Chris P.

  • “Very experienced and knowledgeable attorney.”

    Ridel N.

  • “From the first moment Frank & I met Barbara Cusumano, we knew are prayers had been answered.”

    C. & F. Butcher

  • “Mrs. Cusumano was excellent.”

    Alexandra E.

  • “I would definitely recommend Barbara Cusumano's legal expertise if you are considering filing for bankruptcy.”

    Marta Y.

  • “Atty. Cusumano is a blessing! She took a stressful situation and let you see that there is light at the end of the tunnel.”

    Romila D.

  • “Barbara put me at ease, and it went so smoothly.”

    Melanie Melton

  • “When I chanced upon Mrs. Cusumano, I knew I had struck gold.”

    Mr. Huber

  • “Barbara Cusumano was with me, next to me and behind me all the way. On behalf of the future I am building, thank you!”

    M. Harris

  • “Barbara and her staff welcomed me in and I felt very comfortable with her.”

    Nancy

  • “A wonderful person that helped guide me and got my life back on track. Thanks a million!”

    C. Sapp

  • “Throughout the whole process, she was very personable, yet professional. I would wholeheartedly recommend her services to anyone.”

    Connie

  • Dozens of 5-Star Client Ratings

  • File Online – Never Leave Your Home or Office

  • Reasonable Flat Fees

  • Payment Plans Available

  • 20+ Years of Experience

  • Local and Trusted Attorney