Filing Bankruptcy Stops Collection Agency And Creditor Harassment. Creditors and collection agencies may not discover the bankruptcy filing right away, but once the creditor is informed of the bankruptcy filing and provided with the basic information about the case, such as the chapter filed, the date filed, and the case number, it must take no further action, unless it obtains bankruptcy court authority to proceed with its collection efforts, and the court's granting of such authority would be very rare.

Creditors holding nondischargeable obligations, such as taxing entities, student loan lenders and guarantors, and ex-spouses entitled to past or future child support or alimony, must also cease their collection efforts against assets of the bankruptcy estate, at least until the date of discharge, which in most Chapter 7 bankruptcy cases is approximately four months after the bankruptcy petition is filed.

If creditors continue to call after the filing of the petition, be ready to provide your name, the date the petition was filed, the case number, the chapter, the district in which you filed, and the identity of your bankruptcy attorney. If the creditor persists, notify the Law Offices Of Hagen & Hagen and we'll make it very clear to the creditor that any and all further collection efforts will constitute an actionable violation of the automatic stay provisions of 11 U.S.C. Section 362(a).

What to do if a agent Bill Collector Call? Many consumers who are behind on their bills dread the thought of telephone calls from collectors. Bill collectors can be intimidating, but no consumer should live in fear. After a person files for consumer bankruptcy, these calls are not allowed. If you follow these rules, you can answer your telephone with greater confidence even before filing for bankruptcy.

Be truthful. Lies will surely come back to haunt you. Don't tell a bill collector that "the check's in the mail" if it isn't. Your lie or promise will likely be recited back to you in a later telephone call.

Take notes. The collector will be taking notes, and you should too. Keep track of what you told them and what they told you. Also, write down the name of the person with whom you spoke and the date and time at which they called. This information will be helpful if you speak with someone from this company again.

Explain a temporary financial problem. If you're experiencing a temporary setback in your finances, go ahead and explain the situation to the collector. They may give you time to get through your situation. However, you should always keep Rule #1 in mind – tell the truth.

Admit if you cannot pay your bills. This takes much of the power away from an aggressive bill collector.

Get help. If you cannot pay your bills, call someone who can help – call an attorney. We'll be glad to give you an initial consultation for free.

Filing bankruptcy is stressful, and it is not easy.The decision as to whether to use an attorney should be taken very seriously. After all you will have many questions throughout the process – and if you mess up badly, your case could end up being dismissed altogether. Because of the long-term legal and financial consequences, you need to strongly consider obtaining sound legal advice.

Free Bankruptcy Consultation Please fill out the form below If you are drowning in debt with little realistic hope of paying off your bills, bankruptcy is your only real option. Although far from pleasant, bankruptcy can be easier to handle than the constant pressure put on a debtor by lenders and collection agencies. You can immediately stop all harassment and legal actions, wipe out a good deal of your debt and get a new start on life Thank you and Congratulations.

Complete Name
Complete Address
City State Zip
Home Phone
Cell Phone
Email
How Much is your Home Debt?
What you owe? (Hold Ctrl to Select Multiple)	Real Estate Loans Car Loans Credit Cards Medical Bills Judgements Others
Do you own Real Estate?	Please Select One Yes No
Are Mortgage Payments OK?	Please Select One Yes 1 to 3 Months Late 4 to 12 Months Late 12 to 24 Months Late
Are you Employed?	Please Select One Yes No
Annual Income
Are your Spouse Filing?	Please Select One Yes No

back to top