Will filing bankruptcy stop creditors and collectors from calling me?
Yes, filing bankruptcy will stop creditors/collectors from contacting you completely.
Your legal protections once you file bankruptcy include the “automatic stay” (except for exceptions of debtors with multiply, recent bankruptcy filings that have been dismissed). Under the U.S. Bankruptcy Code, an automatic stay stops all collection efforts by a creditor/collector.
Therefore, after you have filed bankruptcy and an automatic stay is in effect, any contact by a creditor/collector to you via telephone, U.S. Mail, etc. to discuss a debt they claim you owe would be a violation of the automatic stay provision and could subject the creditor/collector to possible sanctions and penalties by the U.S. Bankruptcy Court.
If you happen to be reading this and have not hired a lawyer to counsel you on bankruptcy (and the many alternatives), and if you live in Alabama, feel free to call us at 205-879-2447 or contact us through our website and we will be happy to talk with you to see how we can help you and if our firm and our way of treating our clients is the type of experience that you want to have.