Dealing with debt collectors might be the most frustrating aspect of owing more than you can pay. It often feels like verbal abuse or harassment. One of the numerous advantages of declaring bankruptcy is relief of this tension. However, you may still get letters, phone calls, and emails from creditors after filing bankruptcy. Here’s what you should know.
What to Know About the Automatic Stay
When you declare bankruptcy in Orlando FL, you receive what is called an automatic stay, which means debt collectors must cease all collection activities, including telephone calls. If you’ve filed for a Chapter 7, each creditor you owe should provide you with a discharge order after your bankruptcy has been completed. This will officially relieve you of the debt and prevents creditors from continuing to take collection action against you.
What If Creditors Are Still Calling?
Even though you’ve filed bankruptcy, you may still get calls and other communication from creditors. There’s usually a straightforward explanation, such as the bankruptcy court not yet having processed your claim or notified all of your creditors.
Although uncommon, some unethical debt collectors may pursue collections after a lawsuit has been filed. This may require the help of an attorney. Most of the time, however, you can just inform the creditor that you’ve filed for bankruptcy and they will contact the court on their end for more information.
How to Stop Debt Collectors From Contacting You After Filing Bankrutpcy In Orlando FL
While the automatic stay is in place, it is unlawful for creditors to continue seeking payment. If you have declared bankruptcy and debt collectors are still contacting you, you may be entitled to take legal action against them, and they may be ordered to pay your court fees.
Letting creditors who are harassing you know that you’re aware of the law frequently deters them from doing so. Write down the identifying information of creditors that call you after your bankruptcy and contact your lawyer to find out what your next step should be.
Get Help From a Bankruptcy Lawyer Today
If you’re struggling with unsurmountable debt or are having difficulty meeting all of your financial obligations, it’s important that you reach out for assistance from a seasoned bankruptcy lawyer. Contact Caplan Bankruptcy today for more information or to schedule an appointment to meet with a bankruptcy lawyer by dialing (407) 872-6249.