What Should I Do If Creditors Keep Calling After Bankruptcy?

What To Do If Creditors Keep Calling After Bankruptcy

Bankruptcy filing is a legal process that provides respite from creditor harassment. However, sometimes, the calls don’t stop. If you’re wondering, “What should I do if creditors keep calling after bankruptcy?”, read on. This comprehensive guide explores the routes you could take to regain your peace.

Understanding The Stay of Proceedings

The moment you file for bankruptcy, a Stay of Proceedings is activated. This is a legal injunction that forbids creditors from initiating or continuing collection efforts. This means that those nagging, stress-inducing phone calls, emails, and letters should come to an abrupt halt.

Regrettably, some creditors can be quite obstinate, either due to a lag in updating their systems with the new bankruptcy information or just plain defiance of the law. If you’re still getting those calls, you need to spring into action, as these creditors may not stop on their own.

The Aftermath of Filing for Bankruptcy

Filing for bankruptcy is usually a last resort for many. It’s a step taken with the hope of a fresh financial start, free from the burden of insurmountable debts. The last thing you need in such a situation is continued harassment from creditors.

If you’re stuck in this predicament, here’s what you can do:

Inform The Creditors

It’s essential to inform the creditors that you’ve filed for bankruptcy. Most of them will back off as soon as they learn about it. However, a few might choose to be persistent.

Gather Their Information

When a debt collector calls, inform them that you’ve filed for bankruptcy, and provide them with the name and contact details of your trustee. The trustee will handle the communication from then onwards.

“I have filed for bankruptcy. Please get in touch with my trustee at [Trustee’s Name, Phone Number].”

Seek Legal Assistance

If the calls persist, don’t hesitate to contact a legal professional specializing in bankruptcy cases. They can guide you on the next steps to take.

In Conclusion

You deserve a fresh start, and bankruptcy is designed to provide just that. But if you’re still grappling with the question, “What should I do if creditors keep calling after bankruptcy?”, it’s crucial to know that you have options. Inform the creditors, provide them with your trustee’s information, and if the harassment persists, seek professional help.

Remember, the law is on your side. You need not suffer in silence. Stand your ground, and fight for your right to a harassment-free fresh start.

Find Your Personal Debt Relief Solution

Licensed Insolvency Trustees are here to help. Get a free assessment of your options.

Discuss options to get out of debt with a trained & licensed debt relief professional.