Theoretically, when you file bankruptcy, your creditors should stop calling you. You may still be contacted by creditors until your bankruptcy notice fully processes. However, there are some debt collectors who may be relentless and still choose to contact you. If this happens, there are a few steps you can take.
Tell Them You Have Filed
The first step you should take if you are contacted by creditors after your bankruptcy attorney files for you is to let them know you have filed and ask them to stop calling you.
Make a Detailed List of Creditors Who Call
As you inform creditors who call you that your bankruptcy lawyer has filed for you, be sure to keep a log of each call. Write down the name of the creditor, name of the person calling you (if you are able to get it), when they called (date and time), and a brief synopsis of the conversation. This could be useful if action needs to be taken against a persistent debt collector as discussed below.
Let Them Know You Are Prepared to Take Legal Action
Once you have informed your creditors that your bankruptcy attorney has filed on your behalf, they should stop calling you. If they do not, then you are well within your rights to inform them that you are prepared to take legal action if they continue to harass you. Be sure to consult with your bankruptcy lawyer on your full rights and recommended verbiage to use in your particular situation.
When it comes to bankruptcy, Charleston residents and those in surrounding areas have trusted Drose Law Firm for more than 30 years. If you find yourself in need of an experienced and compassionate bankruptcy attorney, we are here. Give us a call to learn more today!