"Can My Current Creditors Still Harass Me After I File Bankruptcy?"
Prior to filing your legal documents with the Bankruptcy court, there are many options that creditors have in order to attempt to collect a debt. Although creditors are required by law to abide by "The Fair Debt Collection Practices Act" or FDCPA,
many creditors ignore the law and cross the line into harassment. Some push the limits of decency by resorting to intimidation tactics, including threats and name calling. Many times, creditors will lie and say that even if you file bankruptcy, you will still owe their debt (which is almost always not true). Even when creditors are not lying to you or calling you names, their constant barrage of phone calls at home and at work can cause severe consequences in your family life and can bring reprimand from your employer.
Filing for bankruptcy changes things dramatically. The fact is that upon filing for bankruptcy, an injunction automatically goes into effect that will stop bill collectors from tormenting you. With few exceptions, the "automatic stay" prohibits them from collecting on any debts that arose prior to the filing of the bankruptcy. Creditors do not break this law, because if they foolishly continue to try to collect from you during the automatic stay, they can face civil and even criminal penalties.
Even those clients who retain our office, but have not yet filed, may refer all collector calls to us. This will halt their direct contact, making your life much more peaceful and putting you back in control. So if you need to put an end to creditor harassment, call a reputable office today, Find out if Bankruptcy is a good choice for you.
Courtesy of Amy Spencer-Martyn
Spencer-Martyn Law Offices
3460 Bechelli Lane, Suite E
Redding, CA 96002
The information in this article is not, nor is it intended to be, legal advice. You should consult an attorney for individual advice regarding your own situation. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.