As an essential service provider, we are open and here to help you access the courts. We specialize in child custody, domestic violence and all other areas of family law.
What Is an Automatic Stay of Protection? Integrity & Commitment To Client Service

What Is an Automatic Stay of Protection?

Roseville Bankruptcy and Debt Collection Lawyers

There are few experiences more stressful than being hounded by a collections agency. If you're tired of the endless phone calls from debt collectors, it may be possible to stop wage garnishment, halt foreclosure, or stop creditor phone calls with a single action — filing for bankruptcy. Talk to an experienced Roseville bankruptcy lawyer at Cecil Cianci Law, PC, in Roseville, California.

Call (916) 675-3866 for a free bankruptcy consultation with an attorney.

For more information about how to stop wage garnishment, foreclosure and creditor phone calls, see our pages on Chapter 7 and Chapter 13.

What Happens When I File for Bankruptcy?

Filing for bankruptcy includes automatic stay protection, which stops garnishments, foreclosures, and all other collection activity.

Automatic stay protection means that all actions against you — foreclosure, an IRS levy, wage garnishment — are frozen until the bankruptcy is sorted out. If you have been feeling pressure from bill collectors or mortgage companies, automatic stay protection can be a welcome relief.

Automatic Stay Protection Provides an Opportunity to Plan What’s Next

An experienced bankruptcy lawyer can sit down with you, listen to your circumstances, and help you decide what steps you should take to get through the bankruptcy process. Can you arrange more affordable terms on your mortgage? What about renegotiating a loan on a secured debt? Should you file for Chapter 7 bankruptcy? Would it be better, given your unique circumstances, to file for Chapter 13 bankruptcy? Are there other options that could solve your financial problems? A bankruptcy attorney can help you answer all these questions and more.

Stop wage garnishment. Stop foreclosure. Contact a bankruptcy lawyer.

Your first bankruptcy consultation is free at Cecil Cianci Law, PC. A consultation gives you the chance to get answers to your questions and make an informed, educated decision about your future. No matter how you choose to proceed, our Roseville bankruptcy attorneys can help you end your financial struggle and get a fresh start. Contact us online or give us a call at (916) 675-3866 to arrange your free consultation with our firm.

Want to stop getting harassed by collectors? After you retain Cecil Cianci Law, PC, and before you file bankruptcy, you can refer all your creditors to us. Under the law, they can no longer call you.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Client Success Stories

  • Jaime B.

    Sensitive to needs with my children, my time and my dollars

  • Doug B.

    Great and always professional and courteous to both sides of the mater

  • John R.

    A staunch advocate for me in the courtroom and has remained that way for 15 years

  • Lauren S.

    Helped me feel safe, important and always had my back

  • Jamey S.

    I've never met an attorney I felt I could trust like Melissa

  • Krishna V.

    Takes time to discuss the case and answers all my questions patiently and calmly

  • Stacy O.

    She will ensure that you're taken care of

  • Ryann D.

    Has your best interest at heart and cares

  • Alyssa R.

    A seamless process thanks to Melissa and the team of attorneys and support staff

  • Dana A.

    Extremely knowledgeable, organized and professional!

  • Amber B.

    A truly personal and professional attorney

  • Scott R.

    Could not be happier with the help they offered me through a tough time

  • Eric R.

    I felt cared for and protected

  • Tami M.

    Made both sides feel extremely comfortable with the agreement and outcome

  • Gary B.

    Does her "homework" to best represent her client

What Makes Us Different? 

  • Big Firm Experience, Small Firm Approach
  • Unique Approach & Personalized Strategy For Every Case
  • Helping You Maintain Your Way of Life After Divorce
  • Educate Our Clients So They Can Make Informed Decisions
  • Transparent Representation Based on Honesty & Integrity
  • Nearly Five Decades of Combined Experience

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