Notice: Due to COVID-19, we will be conducting all consultations either via video chat, phone, or email. Please don’t hesitate to call us if you have any questions!
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!
  • “She was so patient and kind and walked us right through our problems and got us took care of us.”

    Sandy D.

  • “Barbara Cusumano is the best.”

    David & Barbara G.

  • “I highly recommend Barbara Cusumano to anyone who needs a bankruptcy attorney.”

    Diana P.

  • “She was very personable, and made a very stressful and embarrassing situation as easy as possible.”

    B. Turner

  • “Thanks to her I get to start over financially and I even have assets and my tax refund that I was able to keep from my estate to do so with. ”

    K. Rentz

  • “I highly recommend her services!”

    R. Haidari

  • “I am extremely satisfied with the outstanding service of Ms. Cosumano”

    Vailma R.

  • “We are very happy with her and staff. We would recommend her to anyone who needs help.”

    Glenn R.

  • “She is so helpful in every step of the way and doesn't make you feel bad.”

    Garrett

  • “Barbara understood my needs”

    anonymous

  • “I highly recommend her!! I give her 10 stars!!”

    Shannon Hill

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

    Chris P.

  • “would recommend Attorney Cusumano to anyone - she made me feel so at ease, everything was explained to me, she walked me through it all. I didn't feel brushed over anytime.”

    Renee B.

  • “Now, I am well on my way back to financial security.”

    Dan Blandon-Hendrix

  • “I was treated with the up most respect and Barbara recognized my special needs.”

    Bev De Mario

  • 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