The filing of a bankruptcy prevents creditors from contacting you. The bankruptcy “automatic stay” puts a complete halt on creditor contacts to include collection calls. I tell my clients that the bankruptcy court sends out notices of the bankruptcy filing within a weeks time. In a Chapter 13 bankruptcy, the attorney will send a Chapter 13 plan to the creditors notifying them of the filing within days of the filing. However, if you have specific creditors that are harassing you, please provide those creditors’ numbers to me and I will call them and provide them with a case number.

If you continue to receive creditor calls from a creditor that has been notified of the bankruptcy filing, please let me know and I will take care of the issue. Creditors that intentionally violate the bankruptcy automatic stay can be sanctioned by the United States Bankruptcy Court.