Law Office of James L. Keenan

Help when you need it

Personal service since 1995

James Keenan Law

Contact me for a free consultation!

PH 916.448.6923

TXT 916.715.6145

EMAIL James now!

Contact me for a free consultation!

PH (916) 448-6923

TXT (916) 715-6145

EMAIL James now!

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Sacramento Bankruptcy & Debt Relief Attorney

Get news, tips and information about bankruptcy filing and debt relief/elimination in Sacramento

Bankruptcy Protection

Bankruptcy protection is often the point of filing for bankruptcy. Filing bankruptcy allows to an automatic stay. That is a legal buzz word that means you are protected from your creditors when you file for bankruptcy. But protected from what? Well, everything. The bankruptcy automatic stay shields you from your creditors. This includes any efforts creditors could take if you didn't file for bankruptcy. Lawsuits, even if already filed, are stopped. Wage garnishments must be ceased. Also included are levies, liens, foreclosures and even phone calls. All these actions must be stopped by creditors when you file for bankruptcy.

It also does not matter when you file for bankruptcy. Bankruptcy protection kicks in automatically when you file bankruptcy. Hence, the automatic stay. Some believe it is too late to file bankruptcy if you have been sued, have a judgment or your wages are garnished. That is not so. As soon as you file bankruptcy, your creditors are stopped cold. No exceptions. It is a common reason many file for bankruptcy in the first place. This is particularly so with wage garnishments, levies and foreclosure. If facing one of these creditor collection tactics, bankruptcy can stop it. Filing bankruptcy is all that needs to be done. It's that simple. This is one of the reason retailers have been filing bankruptcy recently, as this USA Today story suggests.

Bankruptcy Benefit

Seeking bankruptcy protection may prompt a bankruptcy filing, but a discharge is a bankruptcy's lasting effect. Completing a bankruptcy successfully results in a discharge. This means that your debts are eliminated. So the two main benefits of filing bankruptcy are the protection it provides and the debt that is discharged.

I invite you to contact my office to consider your bankruptcy options, especially if you are in need of immediate bankruptcy protection. I have been a Sacramento bankruptcy lawyer for over 20 years. I'm sure I can evaluate what options would work best for the financial fix you need. I look forward to hearing from you soon if you are in need of a fresh financial start. 

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Debt Resolution
Debt Stress Relief

Law Offices of James L. Keenan

2600 H St. Sacramento, CA 95816

Phone: 916-448-6923

Fax: 916-442-6524


Office Hours: Mon – Fri 8 a.m. – 5:30 p.m.

Evening Appointments Available

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Disclaimer: The legal information presented at this site should not be construed to be formal legal advice, nor the formation of a lawyer or attorney client relationship. Any results set forth herein are based upon the facts of that particular case and do not represent a promise or guarantee. Please contact James Keenan personally for a consultation on your particular matter. This web site is not intended to solicit clients for matters outside of the state of California.