By: Daniel Stone
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Will collection calls stop after filing for bankruptcy?
Yes. Collection calls will stop after filing for bankruptcy. Both Chapter 7 and Chapter 13 bankruptcy filing will stop all your creditors from calling you seeking payment on pre-petition debts. I recommend to all my clients that they keep a pad beside their phone for 2-3 weeks and keep a log of any creditor that calls. In most instances, it takes creditors a little while to log your bankruptcy filing into their system. I tell my clients to give every creditor 1-2 chances before they turn the issue over to me. If one calls, write down their name, number, and time they called. Provide the creditor with your case number and my information. If they continue to call and harass, I will either send them a letter threatening a bankruptcy lawsuit or I will go ahead and file the lawsuit depending on the issues. Please note the bankruptcy court generally wants to see some sort of damages or multiple attempts of collection activity after being told of the bankruptcy filing. The good news is that 99% of the time, collections calls stop without having to threaten a bankruptcy lawsuit.