Can Creditors Contact Me During Bankruptcy?

Creditors are not allowed to contact you directly if you have filed for bankruptcy. This includes emails, letters, phone calls, and all other forms of communication. Additionally, creditors may not initiate collection actions against you (such as foreclosure or repossession) while the bankruptcy automatic stay on such actions is in effect.

Once your bankruptcy has been discharged, creditors can contact you, but only about matters related to the discharge of debt. In some cases, creditors may be able to contact you through a court-appointed trustee or another third party. This is known as indirect communication and must be approved by the court prior to any contact being made.

Creditors Can’t Collect After a Discharge

It’s important that all communication following bankruptcy is conducted in accordance with the law. If a creditor attempts to collect debt from you after your bankruptcy has been discharged, they could be subject to fines or legal action. You should keep records of all correspondence so that if there are any disputes or violations of the law, you can easily provide evidence.

Overall, if your creditors contact you regarding matters related to your bankruptcy or debts, you should respond in accordance with the law. Responding incorrectly could result in further legal action being taken against you. If you are ever uncertain about how to respond to a creditor's communication, be sure to speak to an attorney who practices bankruptcy law for advice and guidance. This can ensure that you remain compliant with the law and protect your rights.

Contact Us for Legal Assistance

Buchalter & Pelphrey Attorneys At Law understands the difficult financial situation that individuals may face during bankruptcy and can help with creditor harassment.

Our team of knowledgeable attorneys has years of experience in helping those who needed to deal with significant debt obligations and wanted to take steps towards a brighter future. We can provide you with options that are tailored to your individual circumstances, including advising on potential repayment strategies or filing for bankruptcy if necessary.

For more information about how we can help, contact Buchalter & Pelphrey Attorneys At Law today.