Will Filing for bankruptcy stop the Collection Calls?
Okay, File for Bankruptcy – Now What
Immediately after you file for Chapter 7 or Chapter 13 bankruptcy, you will obtain protection from your creditors. If you file for Chapter 7 bankruptcy, your case will be assigned to a bankruptcy trustee. You will also have a case number. The bankruptcy trustee will manage your bankruptcy filing, may request more documents for verification, and review your bankruptcy forms.
Will the Calls Stop?
All your creditors are legally required to stop calling you concerning payments owed. So, most, if not all, creditors will stop calling you.
There may be a few who may not know that you filed for bankruptcy, and thus, may continue to call. If this is the case, you should inform them that you filed for bankruptcy. Otherwise, reputable bankruptcy lawyers in Utah will be more than happy to contact these creditors for you.
What is an Automatic Stay?
Bankruptcy’s automatic stay in Utah is immediately in effect after you file for any bankruptcy chapter. The automatic stay is the legal requirement of creditors being forbidden to call people who file for bankruptcy. Thus said, if creditors continue to contact you after you file for bankruptcy, they are in violation of the automatic stay. Creditors can do no form of attempt to collect or contact you, whether it is a phone call, emails, letters, garnishments, foreclosure efforts, etc. A high-quality Utah lawyer, such as a West Jordan bankruptcy attorney, will fight to ensure your bankruptcy’s automatic stay is protected or else.
What Happens if you Still get Calls?
So, if you continue to get calls, inform the creditors that you are in bankruptcy. And if you continue to get calls after you’ve informed them, you should tell your attorney about these contacts. Your attorney will handle the situation by giving these creditors a courtesy warning not to contact you.
How Your Attorney Can Help
As previously stated, the attorney will give a courtesy warning to the creditors. If creditors continue to call after that, the lawyer may file sanctions against creditors who violated the automatic stay.
For More Information
For more information about bankruptcy, contact Alta Legal today. With over 40 years of experience, you will be in greatly trusted hands with these bankruptcy West Jordan attorneys. So, contact them now!