Using Federal Bankruptcy Act, Chapter XIII - Wage Earner Plan, you can file for immediate relief form unmerciful creditors and collection agencies. To be eligible, your monthly bills must exceed your income, and your major income must be earned from a salary or commission.
You can file for the Wage Earner Relief Plan simply by contacting your attorney or the US District Court nearest you. Ask to speak to the person who administers the plan.
Generally within three days of filing, a restraining order will be issued to all of your creditors. Which Will:
• 1) Stop creditors, collection agencies, lenders, or anyone else who has been notified from contacting or harassing you any further.
• 2) Immediately stop all action against you that had been initiated by creditor. (Note: For this relief plan to work, it must be accepted by a majority of your creditors. If the majority agrees to the plan, all others must comply.
• 3) Immediately stop interest and late charges from accumulating any further.
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