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Collection Activity & COVID-19

Home » Videos » Collection Activity & COVID-19

Hello. This is Roger Ghai with Law Offices of Roger Ghai, and I practice bankruptcy law in the Kennesaw, Marietta, and Atlanta metropolitan areas. We take cases from all of these different jurisdictions. I wanted to speak today about a few things that are going on with the creditors, on the creditors side.
As many of you know, the car insurance companies, mortgage companies, credit card companies, and other creditors, including cell phone companies are refraining from trying to collect right now. Now the important part to note about this is that is deceiving and that is sort of an illusion as to how they’re going to expect payment later on down the road.
So for example, some mortgage companies are refraining from trying to collect on the mortgage payment or the insurance companies may text you or call you and say, “Look, you know what? We understand that this is a difficult financial period during this COVID-19 virus, and you’re not going to be required to pay.” The little trick there is that let’s say, for example, you missed two or three payments on your cell phone bill, just to use one example. When they do lift those restrictions on collecting, what the cell phone company is going to do and what the mortgage company is going to do or the car insurance company is going to do, is they’re going to want all of those payments that you missed during this virus, during this crisis, to be paid at one time.
And so my best piece of advice to you is if you’re trying to refrain or not file a bankruptcy case, which if any way you can to avoid filing, go ahead, and you need to try to pay those bills during this period of time. But be prepared, at the end of the crisis, when all of these voluntary collection activities are lifted, that is the creditors are not pursuing collections against you right now, and they’re giving you these grace periods, but once those grace periods are lifted, they’re going to come hard and heavy to collect their money.
So if you have any questions about these rules and different procedures that these companies have, please call my office at 770-792-1000.

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Janice: Good afternoon Atlanta and welcome to News & Talk 1380 WAOK. This is Janice Mathis and we’re here this afternoon and every Sat. afternoon at 1pm to talk with one of our lawyers who’s

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The Chapter 7 trustee objected to Mrs. Goulakos’s claim of exemption because she did not live in the house and because she was not the one who claimed the homestead exemption under Massachusetts

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    Can Creditors Be Sued For Trying To Collect Debt After You File For Bankruptcy

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      Ghai Law Firm
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      LAW OFFICES OF ROGER GHAI

      1301 SHILOH RD NW STE 430

      KENNESAW GA   30144

      Mon-Fri: 9AM - 6PM

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      • ABOUT
        • Testimonials
        • Join Us
      • Practice Areas
        • Personal Injury
          • Pedestrian Accident
          • Car Accidents
            • Speeding Accident
            • Drinking and Driving Accidents
            • Left Hand Turn Accident
            • Rear-End Collision
            • Reckless Driving Accident
            • Uber Accidents
            • Hit-and-Run Accidents
            • Texting and Driving Accident
              • Texting and Driving Under 18
          • Truck Accident
            • Lane Usage Accident
            • Traumatic Brain Injury
          • Product Liability
            • Defective Drugs
            • Defective Medical Device
          • Premises Liability
            • Slip and Fall Accidents
          • Wrongful Death
          • Dog Bite
        • Bankruptcy
          • Debt Relief
          • Credit Card Debt
          • Chapter 13 Bankruptcy
          • Chapter 7 Bankruptcy
          • Foreclosure Bankruptcy
          • Free Legal Case Review
          • Medical Bills Bankruptcy
          • Rebuild Your Credit
          • Wage Garnishments
      • Areas We Serve
        • Kennesaw Personal Injury Lawyer
          • Kennesaw Bankruptcy Lawyer
        • Acworth Personal Injury Lawyer
          • Acworth Bankruptcy Lawyer
        • Marietta Personal Injury Lawyer
          • Marietta Bankruptcy Lawyer
        • Smyrna Personal Injury Lawyer
      • FAQs
      • Blog
      • Videos
      • Contact