When you file for bankruptcy, the court assigns a bankruptcy trustee to handle creditors on your behalf. A bankruptcy discharge relieves you of the responsibility for paying the debts included in the bankruptcy filing. This means that you’re no longer responsible for the debt after receiving a discharge.
However, you might be surprised when creditors and debt collectors keep calling, sending bills, and even threatening you after a bankruptcy discharge. Many debt collectors and creditors choose to disregard bankruptcy law and continue to communicate with debtors after a bankruptcy discharge.
There are several reasons why creditors and debt collectors may keep contacting you even after a bankruptcy discharge:
However, a lack of knowledge on the creditor’s side is not always the case. Some creditors are simply stubborn and will keep attempting to recover discharged debts. You may also fall prey to debt buyers. Debt buyers go against the law by purchasing discharged debts and then contacting the debtors to pay. If some of the debtors give in to pressure and pay, the debt buyers make a profit. The good news is that with the help of an experienced bankruptcy attorney, you don’t have to pay anything as long your debt is discharged.
Any creditor or debt collector who insists on calling you or collecting a discharged debt would be violating federal laws. Federal laws do not allow any parties to take action against you after you discharge a debt.
You should talk to a bankruptcy attorney if creditors or debt collectors continue calling or making efforts to collect a debt after you’ve filed for bankruptcy. You should take legal actions if creditors send demand letters or file a lawsuit against you for non-payment of discharged debts. As long as a debt existed before you filed for 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 a bankruptcy attorney if creditors or debt collectors are harassing you after filing for bankruptcy. At Shrader Law, PLLC, we are always ready to defend debtors who face unlawful harassment by creditors. No one deserves to be harassed by creditors after filing for bankruptcy.
Posted in Uncategorized
ADDRESS : 612 W Bay St, Tampa, FL 33606