Who will deal with creditors if I got approved for bankruptcy? 27 Answers as of June 15, 2012

Can I stop any interaction with them?

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Rosenberg & Press
Rosenberg & Press | Max L. Rosenberg
The moment you file bankruptcy you do not have to speak to any more creditors or debt collectors. They will be notified by the bankruptcy court that you filed and they will not call you again. If they do call you after having been notified of the bankruptcy that may be a violation of the fair debt collection practices act. You would be well advised to use an experienced bankruptcy attorney and also consult with a consumer attorney if they continue calling.
Answer Applies to: Connecticut
Replied: 6/15/2012
Ferguson & Ferguson
Ferguson & Ferguson | Jackie Ferguson Graham
Your attorney, the bankruptcy trustee and the court will deal with your creditors. You will not have to deal with them.
Answer Applies to: Alabama
Replied: 6/15/2012
Indianapolis Bankruptcy Law Office of Eric C. Lewis
Indianapolis Bankruptcy Law Office of Eric C. Lewis | Eric Lewis
Once you file for bankruptcy, creditors cannot contact you. Your lawyer will deal with them on your behalf through the bankruptcy process.
Answer Applies to: Indiana
Replied: 6/15/2012
Selleck Legal, PLLC
Selleck Legal, PLLC | Stacey Selleck
Once you file for bankruptcy creditors are no longer able to contact you. It is called an "automatic stay" and they are in violation of the law if they seek to contact you or attempt to collect from you once you file. If you have an attorney they will deal with the creditors.
Answer Applies to: Michigan
Replied: 6/15/2012
Janet A. Lawson Bankruptcy Attorney
Janet A. Lawson Bankruptcy Attorney | Janet Lawson
Creditors should not be contacting you post filing about collecting. If there are issues in your case they need to contact your lawyer.
Answer Applies to: California
Replied: 6/15/2012
    Bird & VanDyke, Inc.
    Bird & VanDyke, Inc. | David VanDyke
    Unsecured creditors really dont need to be dealt with, you or your attorney will need to deal with secured creditors such as house and car loans, etc.
    Answer Applies to: California
    Replied: 6/15/2012
    Law Office of D.L. Drain, P.A.
    Law Office of D.L. Drain, P.A. | Diane L. Drain
    The bankruptcy law requires that you must list all your creditors in your bankruptcy. No exceptions. Once you file your bankruptcy the creditors will receive notice from the Bankruptcy Court. When you are contacting by a creditor you only need to give them your bankruptcy case number and then they must stop calling you. But this is not the entire story as to creditors - there are issues related to secured creditors That includes debts on your home or car. If you want to keep your home or car then normally you just keep paying the regular payment. I don't know what state you live in, but please understand that bankruptcy is a very complicated process. It is wise to talk to an experienced bankruptcy attorney in your state before deciding to take this important step. If you live in Arizona, then you will find that most Arizona bankruptcy attorneys offer a free consultation about the basics of bankruptcy.
    Answer Applies to: Arizona
    Replied: 6/15/2012
    Dan Wilson Bankruptcy
    Dan Wilson Bankruptcy | Dan Wilson
    When you file a BK the court issues an order to your creditors preventing them from any collection actions. This is one of the most valuable features of a BK.
    Answer Applies to: Colorado
    Replied: 6/15/2012
    Law Office of Pho Ethan Tran PLLC
    Law Office of Pho Ethan Tran PLLC | Pho Ethan Tran
    Once a discharge has been granted, you no longer need to communicate with the creditors whose debts were discharged.
    Answer Applies to: Texas
    Replied: 6/15/2012
    Charles Schneider, P.C.
    Charles Schneider, P.C. | Charles J. Schneider
    They will ordered to stop any interaction.
    Answer Applies to: Michigan
    Replied: 6/15/2012
    Olson Law Firm | Edward M Olson
    Your attorney will deal with the creditors.
    Answer Applies to: Michigan
    Replied: 6/15/2012
    The Law Office of Darren Aronow, PC
    The Law Office of Darren Aronow, PC | Darren Aronow
    They will receive notice from the bankruptcy courts and should stop contacting you immediately or it is a violation of the automatic stay.
    Answer Applies to: New York
    Replied: 6/15/2012
    Weber & Phillips, P.A.
    Weber & Phillips, P.A. | John G. Phillips
    Filing for bankruptcy would force the creditors to stop contacting you and they would have to deal with your attorney and the Court.
    Answer Applies to: Arkansas
    Replied: 6/15/2012
    Musilli Brennan Associates PLLC
    Musilli Brennan Associates PLLC | John F Brennan
    Mostly, but not entirely.
    Answer Applies to: Michigan
    Replied: 6/15/2012
    R. Jason de Groot, P.A
    R. Jason de Groot, P.A | R. Jason de Groot
    That depends upon your individual circumstances. Usually, all creditors back off and do nothing once you file bankruptcy. They are prohibited by federal law from trying to collect what you owe them.
    Answer Applies to: Florida
    Replied: 6/14/2012
    Barbara Fontaine, Esquire | Barbara Fontaine
    You list all your creditors and the bankruptcy court notifies them. After they know you have filed they cannot contact you again.
    Answer Applies to: Rhode Island
    Replied: 6/14/2012
    Alvin Lundgren | Alvin Lundgren
    Your attorney, the trustee and you deal with creditors. However, after filing your creditors are limited in what they can do. Generally as soon as you file the creditors are forbidden to contact you except in court.
    Answer Applies to: Utah
    Replied: 6/14/2012
    Diefer Law Group, P.C.
    Diefer Law Group, P.C. | Abel Fernandez
    Once the case is filed, the creditors will call your attorney if you have one. If not, most of your creditors will not call you.
    Answer Applies to: California
    Replied: 6/14/2012
    The Smalley Law Firm, LLC | Cary Smalley
    Upon filing bankruptcy an automatic stay is in effect which prevents all creditors listed in the bankruptcy from attempting to collect their debts. I suggest you consult with a bankruptcy attorney to discuss the details of your situation.
    Answer Applies to: Kansas
    Replied: 6/14/2012
    Ursula G. Barrios Law
    Ursula G. Barrios Law | Guillermo Machado
    You will not deal with creditors if your bankruptcy is successful. That's the most important part.
    Answer Applies to: California
    Replied: 6/14/2012
    Connaghan Newberry Law Firm
    Connaghan Newberry Law Firm | Tara D. Newberry
    Question: Who will deal with creditors if I got approved for bankruptcy? Once a debtor files for bankruptcy, the court issues an "automatic stay" order which tells all creditors to cease and desist in their collection efforts. There are instances where a creditor may continue certain collections, but generally must get permission from the court to continue with a foreclosure, lawsuit or repossession once the case is filed. If you utilize an attorney to file your bankruptcy case, then the creditor will have to go through the court and your attorney and will not be able to contact you directly. Question Detail: Can I stop any interaction with them? Even before filing bankruptcy, you can hire an attorney to represent you with regard to creditors. Once a creditor and/or debt collector receives a notice of representation from an attorney, they must not directly contact you unless the attorney does not respond to their communications. This is often called a "cease & desist" or "notice of representation" so that the creditor and debt collector harassment stops. You can also send your creditor in writing a request to stop all phone calls and to only communicate with you in writing.
    Answer Applies to: Nevada
    Replied: 6/14/2012
    Attorney At Law | Harry D. Roth
    No-one "deals" with them. The court notifies them of the filing and, then later, of the discharge. You can stop interaction with them. You can also stop interaction with your creditors right now. There is no law that requires you to answer the phone or return calls or answer letters from your creditors. The bankruptcy filing will stop them from calling you, and that is probably what you really want.
    Answer Applies to: California
    Replied: 6/14/2012
    Mankus & Marchan, LTD
    Mankus & Marchan, LTD | Tony Mankus
    Once you file the bankruptcy petition, creditors must not contact you any more. If they do, give them the bankruptcy information.
    Answer Applies to: Illinois
    Replied: 6/14/2012
    Ashman Law Office
    Ashman Law Office | Glen Edward Ashman
    Assuming you don't make the catastrophic mistake of filing pro se, in which case you MUST deal with creditors, your attorney will deal with them and you won't.
    Answer Applies to: Georgia
    Replied: 6/14/2012
    Bruce Plesser | Bruce Plesser
    The trustee deals with them.
    Answer Applies to: Florida
    Replied: 6/14/2012
    Debt Relief Law Center | Roger J. Bus
    Creditors are not allowed to contact you while you are in bankruptcy. If the creditor's debts are discharged, then they can never contact you (other than for recovery of any secured items).
    Answer Applies to: Michigan
    Replied: 6/14/2012
    Steven Alpers | Steven Alpers
    Your lawyer or the trustee.
    Answer Applies to: California
    Replied: 6/13/2012
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