Stop harassment by bill collectors, and don?t worry about repossession, foreclosure or garnishment. Let Attorney Jim Warr or one of his bankruptcy attorneys explain your rights as a debtor and how you can get a fresh start in your life through Chapter 7 or Chapter 13 bankruptcy protection. As soon as we file a petition with the bankruptcy court, all creditors must stop collection efforts, repossessions, garnishments, and foreclosures. We are a debit relief agency that assists people in filing for bankruptcy relief under the bankruptcy code.