Automatic Stay of Debt Collection Actions

Chicago Debtor Attorney

If you are facing the threat of a collections action or legal claim for a judgment against you for a debt you owe, including your final mortgage foreclosure hearing, it is never too late. Under federal law, as soon as you file a notice of a petition of bankruptcy under Chapter 7 or Chapter 13 of the U.S. bankruptcy code, all collections actions and judgment proceedings against you are automatically stayed (stopped).

Even If You Don’t Think You Are Eligible to File for Bankruptcy, We Can Help

If you have tried everything else to make your monthly payments and find yourself harassed by creditors and bill collectors, talk to attorney Chad Hayward at the Law Offices of Chad M. Hayward, P.C. We stop collections actions in their tracks. Today. Even if you are not eligible for bankruptcy because of a past filing or other criteria, don’t assume the creditors will win. There are debt relief options we can help you with under provisions of the federal Fair Debt Collections Practices Act (FDCPA).

Yes, You Can Prevent Mortgage Foreclosure With an Automatic Stay

By the time your bank or mortgage lender is ready to foreclose on your house, you have probably faced many months of threatening letters and phone calls. Even if you are just a day away from the final hearing to foreclose, your bankruptcy petition will prevent the bank from forcing your family out of your home. We can buy you the time you need to make decisions about your family’s future.

During your free initial consultation, we will explain how the bankruptcy process puts a stop to all creditors’ actions against you. We will also cover topics to help you make your decision about filing, including:

How much does bankruptcy cost and how long the process takes

Some myths about bankruptcy and your credit report

What kinds of debts you can discharge through Chapter 7 and what debts are not eligible

The advantages of Chapter 7 and the advantages of Chapter 13

The bankruptcy means test to and other criteria to determine your eligibility to file

How to strip off a second mortgage and be selective about debt to include

How to save your car from repossession

Free Consultation · Se Habla Español · Credit Cards · Payment Plans May Be Available

If you are ready for a fresh start, we are ready to help. Illinois bankruptcy lawyer Chad Hayward represents clients in the Chicago metro region and communities throughout Illinois.

Reach us to schedule an appointment at any one of our local community offices by calling 312-867-3640.

You can also contact us by e-mail with a brief description of your legal problem. We look forward to helping your family get the fresh start from debt you need and deserve.

Related Topics

Convenient Locations

In order to provide convenience for clients throughout Chicago and Northern Illinois, we have offices in the following locations: 

Chicago • Schaumburg  • Oakbrook • St. Charles • Naperville • And More


We have office locations throughout the Chicago Area:

Chicago (Downtown)


Oak Brook


All calls are routed through our Downtown office for your convenience.

Phone: 312-967-3159

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