debtstoppers.com FAQ

What services does Debtstoppers.com offer?

Debtstoppers.com is a bankruptcy law firm that offers legal services to individuals and families dealing with overwhelming debt, including Chapter 7 and Chapter 13 bankruptcy filings, aiming to stop foreclosures, repossessions, wage garnishments, credit card debt, and medical bills.

Read more about debtstoppers.com:
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Debtstoppers.com Cons (From an Ethical Standpoint)
Does Debtstoppers.com Work? (From a Legal Perspective)
Is Debtstoppers.com a Scam?
How to Avoid the Need for Debtstoppers.com: Ethical Financial Strategies
Debtstoppers.com Pricing & Fee Structure (General Information)
Debtstoppers.com vs. Ethical Financial Counseling (A Comparison)
Debtstoppers Commercials: Advertising Debt Relief
How to Cancel Debtstoppers.com Services (General Guidance)

They also assist with IRS debt and certain tickets.

How long has Debtstoppers.com been in business?

According to their website, Debtstoppers.com has been an “established bankruptcy law firm” since 2003, indicating over two decades of operation in the debt relief sector. How to Cancel Debtstoppers.com Services (General Guidance)

What are Debtstoppers.com’s primary service areas?

Debtstoppers.com primarily serves clients in the states of Illinois, Georgia, and Texas, as explicitly mentioned on their homepage.

Does Debtstoppers.com offer free consultations?

Yes, Debtstoppers.com advertises “Free Virtual Consultations” to help potential clients assess their financial situation and understand their bankruptcy options without an initial cost.

What does “$0 Up-Front Bankruptcy” mean with Debtstoppers.com?

“$0 Up-Front Bankruptcy” typically means that clients may not need to pay attorney fees upfront.

For Chapter 13 cases, attorney fees can often be included in the court-approved repayment plan.

For Chapter 7, this might involve payment plans before filing or specific regional arrangements. direct clarification from the firm is necessary. Debtstoppers Commercials: Advertising Debt Relief

Will filing bankruptcy through Debtstoppers.com stop creditor harassment?

Yes, as soon as a bankruptcy case (Chapter 7 or Chapter 13) is filed, an “automatic stay” is granted by the court.

This legal order generally prohibits creditors from contacting you directly or attempting to collect on debts outside of the bankruptcy court.

Can Debtstoppers.com help save my home from foreclosure?

Yes, Debtstoppers.com states that filing Chapter 13 bankruptcy can help prevent foreclosure by allowing debtors to reorganize their mortgage debt into a manageable repayment plan with potentially lower monthly payments.

Can Debtstoppers.com help me get my repossessed car back?

Yes, if acted upon quickly after a vehicle repossession, filing for bankruptcy through Debtstoppers.com can trigger an automatic stay, which may compel the creditor to return the repossessed vehicle, and potentially allow for a lower car payment through a Chapter 13 plan.

Does Debtstoppers.com assist with credit card debt?

Yes, credit card debt is one of the primary types of unsecured debt that Debtstoppers.com claims to help resolve, often through discharge in Chapter 7 bankruptcy or reorganization in Chapter 13. Debtstoppers.com vs. Ethical Financial Counseling (A Comparison)

What is the typical process with Debtstoppers.com?

The process generally involves an initial consultation, gathering financial documents, preparing filing documents, independent credit counseling (required), and attorney representation at all court hearings.

Will I lose all my possessions if I file bankruptcy with Debtstoppers.com?

No, Debtstoppers.com explicitly states that filing for bankruptcy does not mean you will lose everything.

Bankruptcy laws include “exemptions” that help debtors protect important assets like homes, cars, retirement plans, and cash.

Are there testimonials from real Debtstoppers.com clients?

Yes, the Debtstoppers.com website features written testimonials from individuals and links to a YouTube video where real clients share their experiences with the firm.

What kind of “debt relief information” does Debtstoppers.com provide?

The website offers educational content on topics such as “Understanding When to File for Bankruptcy: A Personal Decision,” explaining the nuances and considerations involved in making the choice to file for bankruptcy. Debtstoppers.com Pricing & Fee Structure (General Information)

Does Debtstoppers.com handle medical bills?

Yes, Debtstoppers.com specifically mentions medical bills as a growing problem they can help families address through bankruptcy, as medical debt is often dischargeable in Chapter 7 or can be included in a Chapter 13 plan.

Can Debtstoppers.com help with payday loan debt?

Yes, payday loans are listed among the types of debt that Debtstoppers.com can help clients with, typically by including them in bankruptcy proceedings.

What happens after I file bankruptcy with Debtstoppers.com regarding my credit score?

While filing bankruptcy initially impacts your credit score negatively, Debtstoppers.com claims that taking the necessary steps to repair your credit post-bankruptcy can reverse this trend, leading to eventual credit score improvement.

How does Debtstoppers.com compare to a mortgage modification for saving a home?

Debtstoppers.com argues that a bankruptcy plan, particularly Chapter 13, can save a home more effectively than a mortgage modification because it can lead to “hundreds, even thousands more per month” in total monthly savings, making the mortgage payment more manageable.

Does Debtstoppers.com offer legal advice beyond bankruptcy?

While their primary focus is bankruptcy law, the website indicates they are a “debt relief agency,” and specific questions about other legal debt-related matters should be directed to them during a consultation. How to Avoid the Need for Debtstoppers.com: Ethical Financial Strategies

How do I contact Debtstoppers.com?

You can contact Debtstoppers.com by calling their toll-free number at 844-546-7300 or by filling out their online appointment form available on their website.

What is Debtstoppers.com’s stance on bankruptcy as a solution?

Debtstoppers.com views bankruptcy not as a sign of failure but as a “step towards regaining control of your financial future,” offering guidance and support to help individuals make an informed, personal decision.