Yes. Debts that can be discharged in bankruptcy such as credit card and medical obligations, should not be paid once an informed decision is made to file a Chapter 7 petition. Monthly bills such as rent, mortgage payments, telephone, and utilities, however, still must be paid.

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. See similar questions...

Yes. 11 U.S.C. 362 requires creditors to immediately stop harassing you upon your filing of a bankruptcy petition. This same code section also generally stops garnishments, writs of attachments, sheriff sales of homes, foreclosure, lawsuits, and repossessions of vehicles. There are some instances where bankruptcy will only temporarily stop collection efforts, or will not stop them at all, if prior bankruptcies were filed too recently (see your attorney for details). See similar questions...

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. See similar questions...

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. See similar questions...

Creditors must prove the amount they are owed by you to be entitled to receive their share of any distribution in your Bankruptcy. Creditors write off the balance of your account. See similar questions...

The Clerk's Office is prohibited by federal statute from providing legal advice. If you have any questions on how a bankruptcy filing affects enforcement of an eviction proceeding, please contact your local constable’s office, county sheriff’s office, or your legal advisor. See similar questions...

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. See similar questions...

From the time you file a bankruptcy case, no one can contact you for any reason regarding your debts, and it is a violation of the bankruptcy law for them to do so. See similar questions...

If you are considering filing bankruptcy, you should know that you may lose all rights to your personal injury case. The Bankruptcy Court can take over your case, settle your case and give your settlement money to your creditors, and you will receive nothing. Be sure to talk to your attorney before filing bankruptcy. See similar questions...

Once a creditor or bill collector becomes aware that you have filed for bankruptcy protection, he or she must immediately stop all efforts to collect the debt. When your bankruptcy is filed, the court will mail a notice to all of the creditors listed in your schedules. This usually takes a week to ten days. You will receive a copy of the same notice which goes out to creditors. See similar questions...

No. U.S. Bank recommends that you continue to pay your creditor until you receive a written confirmation from U.S. Bank that the balance transfer has been completed. See similar questions...

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. See similar questions...

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. See similar questions...

No. You are required by law to list all of your creditors, including friends and family members who have loaned you money. Intentional failure to list a debt is a serious matter and could result in a denial of your entire bankruptcy discharge. However, you are not prohibited from voluntarily paying selected debts after you file for bankruptcy. See similar questions...

All creditors (everyone you owe money to) must be fully disclosed just as all assets (everything you own or claim an interest in) must be listed. You can usually achieve what you want to accomplish without omitting debts or property. More importantly, filing for Bankruptcy protection with intentionally incomplete or inaccurate information can result in severe penalties. Even though all debts must be listed, that does not mean that all debts result in a Bankruptcy discharge. See similar questions...

A bankruptcy case is commenced by the filing of a petition. You must also file a statement of your assets and liabilities, and schedules listing your creditors. If you choose to file a bankruptcy petition without the assistance of an attorney, you can obtain the required forms at most stationery stores or at www.uscourts.gov/bkforms/index.html. There is a range of filing fees for bankruptcy cases, depending on the chapter of the bankruptcy code under which you file. See similar questions...

A person, partnership, corporation, or business trust may file a bankruptcy case. Corporations, partnerships and business trusts cannot proceed if they are not represented by an attorney. Only an individual can proceed without an attorney. However, the bankruptcy process is extremely complex, and individuals are strongly encouraged to seek competent bankruptcy counsel. If a person or the entity who owes the money, called the debtor, starts the bankruptcy, it is called a voluntary bankruptcy. See similar questions...