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Stop Collection Agent And Creditor Harassment

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.

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