In a perfect world, filing for bankruptcy means the end of creditor harassment, wage garnishment, lawsuits, repossessions, foreclosures, and other forms of debt collection. Unfortunately, debt collectors do not always play by the rules. They do not always honor or respect the authority of the Bankruptcy Court. Some of them will violate the automatic stay that goes into effect when your bankruptcy case is filed, and some will violate the court's order that discharges your debt.
The Holbus Law Office, L.L.C. takes a proactive approach to this problem by actively seeking out and prosecuting stay and discharge violations. In some cases, these violations result in the Bankruptcy Court awarding substantial punitive damages to you, often exceeding the costs and fees associated with filing for bankruptcy.
That's right! Your creditors could end up reimbursing you for the Chapter 7 or Chapter 13 Bankruptcy case you file! This could certainly be an ironic, yet welcome change in fortune for you.
