A bankruptcy discharge relieves you of the responsibility for paying the debts included in the bankruptcy filing. This means that you are no longer responsible for the debt after receiving a discharge.
Some creditors and debt collectors keep calling, sending bills, and even threatening you after a bankruptcy discharge. This may trigger important rights that can allow you to seek compensation.
There are several reasons why creditors and debt collectors may keep contacting you after a bankruptcy discharge:
Simply put, some creditors are simply stubborn about learning or following the law and will keep attempting to recover discharged debts. You may also fall prey to debt buyers who purchase discharged debts cheaply and then contact the debtors about payment. If some of the debtors give in to the pressure and pay, the debt buyers make a profit. The good news is that you can obtain the help of an experienced attorney.
Any creditor or debt collector who insists on calling you attempting to collect a discharged debt would be violating both Florida and federal laws.
You should talk to an attorney if creditors or debt collectors continue calling or making efforts to collect a debt after you have filed for bankruptcy. As long as a debt existed before you filed for bankruptcy and were included in your bankruptcy, creditors and debt collectors have no right to contact you after filing for bankruptcy.
When you take legal action against them, you may be entitled to compensation from the creditors for violating the bankruptcy code.
If creditors keep contacting you after filing for bankruptcy, you should:
You should never hesitate to contact an attorney if creditors or debt collectors are harassing you after filing for bankruptcy. At Shrader Law, PLLC, we believe that no person deserves to be harassed by creditors or debt collectors after filing for bankruptcy.
Posted in Bankruptcy
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