Once a bankruptcy is filed, creditors are generally stopped from pursuing collection activities, including telephone calls and filing or continuing law suits to collect their debt. Garnishments and foreclosures can be stopped.

Once a bankruptcy is filed, creditors are stopped from pursuing collection activities, including telephone calls and filing or continuing law suits to collect their debts. Garnishments and foreclosures are also prohibited once a bankruptcy under any chapter is filed.

YES! One of the major and most immediate benefits of filing bankruptcy is the protection of the automatic stay that goes into effect once a bankruptcy is filed to protect the debtor and his or her property. The automatic stay, stays or stops all creditor actions to collect a debt, including phone calls and foreclosures.

Practically, since collectors are paid commissions on what they collect and since they have no power to collect after you file bankruptcy, most collectors will stop calling you. If you do get a call, it is important that you make sure that the Trustee has been advised of that creditor. Remember you have nine months to list your creditors and if you forget a creditor that creditor will be entitled to receive the same distribution that your other creditors receive.

If you want your creditors to stop calling you today, it is possible. We can prepare your bankruptcy in under one day and the moment the court files it, your creditors must stop calling you. After filing, the court will give you a case number and you can give that number to any bill collector who calls and that will be their last call. The court also sends out a notice to all of them in any case.

Yes. Once a creditor or bill collector becomes aware of a filing for bankruptcy protection, it must immediately stop all collection efforts. After you file the bankruptcy petition, the court mails a notice to all the creditors listed in your bankruptcy schedules. Creditors must also stop calling if you tell them that you filed the bankruptcy petition, and give them the docket number for your case.

Once the bankruptcy case is filed, creditors are barred from contacting you for collection purposes. This is referred to as the "automatic stay" which is very powerful and is designed to put an immediate stop to all collection activity.

Creditors are required by the operation of the automatic stay provisions of Bankruptcy Code Section 362(a) to immediately cease attempting to collect on all obligations once a bankruptcy petition is filed.

Yes. Collection agencies (which are companies who collect debts owed to another person or company) must follow certain rules in collecting debts pursuant to the Fair Debt Collections Practices Act, which is federal law written in Title 15 of the United States Code. One may send to collection agencies a letter similar to the sample letter listed below in order to stop harassing phone calls.

A notice entitled “Notice of Chapter ____ Bankruptcy Case, Meeting of Creditors and Deadlines” is issued by the Court to the creditors listed on your creditor mailing matrix within 48 hours of the filing, informing them of your case number, date of filing, social security number, the date of the Section 341 (creditor) meeting, and particular case deadlines. This notice is usually received by the creditors within a week of the filing.

Creditors usually stop calling as soon as you can give them the name and phone number of an attorney whom you have hired to represent you in your bankruptcy proceeding. Of course, if you represent yourself, you will still need to take these calls. Once your bankruptcy is filed, creditors stop calling completely if they are simply trying to collect on the debt.

Yes. Once you enroll in our debt consolidation program, you will be able to refer all calls from creditors to our servicing center. Those collection calls will eventually stop. Our company promises to stop creditor harassment.

Your creditors will be happy to deal with our staff, and will stop all collection calls as long as you stick with your Debt Management Program.

Once bankruptcy is filed, the bankruptcy clerk sends a notice to all of the listed creditors. It usually takes about 2 weeks from the date of filing before creditors are 'officially' notified by the court. A debtor can notify creditors immediately after filing. Creditors who continue to collect a debt after being notified of a bankruptcy filing may be liable for sanctions by the court and attorney fees for their conduct.

Yes. Bankruptcy will stop all the phone calls and all the harassment. When you file bankruptcy, the court clerk sends a notice to all your creditors notifying them and telling them to leave you alone. It works this exact way even if you are not represented by an attorney. You do not need to hire an attorney if your goal is to stop the harassment and wipe out your debts.

YES! The automatic stay that goes into effect when a debtor files bankruptcy stops foreclosure. Chapter 13 bankruptcy forces mortgage lenders to allow debtors to 'catch up' on delinquent mortgage payments over a typically a 3 - 5 year period, curing the default on the mortgage. ( See the section above Will I loose my home if I file for bankruptcy?)

NO. Your creditors have the right to try and contact you in order to collect a debt and they may still call you even after your join our Program. However, we have been successful in reducing many of the harassing telephone calls. If your account is in collections, collections agencies have to adhere to the FDCPA Guidelines. NO. No company can remove legitimate negative items from your credit report.