Who will deal with my creditors while bankruptcy is processed? 22 Answers as of June 14, 2013

Who will deal with my creditors while bankruptcy is processed? Am I obligated to face them?

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Debt Relief Law Center | Roger J. Bus
Creditors cannot contact you while in Chapter 7. Only can talk to you at your first meeting of creditors and usually no one appears for that.
Answer Applies to: Michigan
Replied: 6/7/2012
Law Office of Susan G. Taylor
Law Office of Susan G. Taylor | Susan G. Taylor
The court clerk sends them notice of your bankruptcy, and the ch. 7 trustee (in a ch. 7, of course) represents them. You'll probably never hear from them unless there's a problem account (for instance, a cash advance taken within 90 days of filing).
Answer Applies to: Texas
Replied: 6/6/2012
Barbara Fontaine, Esquire | Barbara Fontaine
When you file, you list all creditors with their addresses. The bankruptcy notifies all creditors. They may object but usually do not unless you have done something like pile on the debt right before filing.
Answer Applies to: Rhode Island
Replied: 6/5/2012
Ashman Law Office
Ashman Law Office | Glen Edward Ashman
Your lawyer does unless you made the really foolish mistake of filing pro se in which case you must do it.
Answer Applies to: Georgia
Replied: 6/4/2012
Law Office of Kristen Allard Shier
Law Office of Kristen Allard Shier | Kristen Allard Shier
Once your bankruptcy case if filed with the bankruptcy court, your creditors are prohibited from contacting you or from any further collection efforts. This is called the "automatic stay" and violations of the automatic stay are punishable under the federal bankruptcy laws. Your creditors may attend what is commonly known as the creditor meeting to ask you questions about the debt you are seeking to discharge. The creditor meeting occurs about 30 days after your bankruptcy case is filed. Most of the time, however, no creditors attend the creditor meeting.
Answer Applies to: Colorado
Replied: 6/4/2012
    Lynn Boak, Attorney at Law P.C.
    Lynn Boak, Attorney at Law P.C. | Ethelyn (Lynn) Boak
    Your creditors must leave you alone once you file for bankruptcy. The only time you would theoretically face them is if they appear at the creditors' meeting.
    Answer Applies to: Wyoming
    Replied: 6/4/2012
    Law Office of D.L. Drain, P.A.
    Law Office of D.L. Drain, P.A. | Diane L. Drain
    It depends on what creditors you mean: secured vs unsecured. Bankruptcy is a very complicated process. It is wise to talk to an experienced bankruptcy attorney before deciding to take this important step. Most Arizona bankruptcy attorneys offer a free consultation about the basics of bankruptcy.
    Answer Applies to: Arizona
    Replied: 6/1/2012
    Janet A. Lawson Bankruptcy Attorney
    Janet A. Lawson Bankruptcy Attorney | Janet Lawson
    Well yes if there are issues. That is why a lawyer is good idea.
    Answer Applies to: California
    Replied: 6/14/2013
    Rosenberg & Press
    Rosenberg & Press | Max L. Rosenberg
    Creditors are not allowed to contact you after you file bankruptcy. Your attorney will handle any invitations by creditors to settle before bankruptcy and after bankruptcy he will handle all reaffirmation agreements that may be entertained. You do not have to face them alone so long as you have an attorney. If you do not have an attorney when you attend your 341 meeting you will be possibly placed in a position that could meet with creditors. Good luck!
    Answer Applies to: Connecticut
    Replied: 5/31/2012
    Attorney At Law | Harry D. Roth
    Technically, there is a "meeting of creditors" usually about a month after you file. But in 98% of the cases, no creditors attend. Other than that, there is no contact with your creditors. So, the answer is that no-one deals with your creditors; they just go away.
    Answer Applies to: California
    Replied: 5/31/2012
    The Smalley Law Firm, LLC | Cary Smalley
    Once bankruptcy is filed an automatic stay is put in place which prohibits creditors from contacting you or attempting to collect their debts. The creditors do have the opportunity to appear at the 341 Meeting of Creditors. However, generally most creditors do not appear.
    Answer Applies to: Kansas
    Replied: 5/31/2012
    Steven Harrell, Attorney at Law | Waymon Steven Harrell
    Your attorney can handle that role in the course of the bankruptcy case.
    Answer Applies to: Georgia
    Replied: 5/31/2012
    Law Office of Robert Sisson | Robert Sisson
    Creditors are barred from contacting you and your bills are put on hold while the bankruptcy is in process after filing.
    Answer Applies to: Wisconsin
    Replied: 5/31/2012
    Law Office of Jeffrey Solomon
    Law Office of Jeffrey Solomon | Jeffrey Solomon
    There is an "automatic stay". They are not allowed to try to collect a debt or contact you. You may need to communicate with secured creditors.
    Answer Applies to: Florida
    Replied: 5/31/2012
    Law Office of Pho Ethan Tran PLLC
    Law Office of Pho Ethan Tran PLLC | Pho Ethan Tran
    The court will normally deal with your creditors unless you elect to reaffirm one or more of your debts, in which case the creditor will contact you directly with the necessary paperwork if you are unrepresented by an attorney.
    Answer Applies to: Texas
    Replied: 5/31/2012
    Diefer Law Group, P.C.
    Diefer Law Group, P.C. | Abel Fernandez
    If you have an attorney, your attorney will handle your creditors. If you don't have an attorney, then you might have to face creditors at your creditor meeting. However, creditors normally do not show up.
    Answer Applies to: California
    Replied: 5/31/2012
    AyerHoffman, LLP
    AyerHoffman, LLP | David C. Ayer
    Your creditors are prohibited by law from attempting to collect from you after your bankruptcy petition has been filed. They will be notified of the filing. They may inquire of your bankruptcy attorney for more information. That should be the extent of their contact. They do have a right to question you at the Creditors Meeting (aka "341 meeting"). Unless they suspect fraud, most creditors do not bother to attend this meeting.
    Answer Applies to: Massachusetts
    Replied: 5/31/2012
    The Law Office of Darren Aronow, PC
    The Law Office of Darren Aronow, PC | Darren Aronow
    No, they do not actually show up at the creditor meeting, unless a specific creditor has a specific reason for showing up (For example, if they believe you have assets that you have not disclosed). All notifications will be sent by the courts to all creditors that you list in your bankruptcy petition.
    Answer Applies to: New York
    Replied: 5/30/2012
    R. Jason de Groot, P.A
    R. Jason de Groot, P.A | R. Jason de Groot
    You are obligated to face your creditors at a creditors meeting. Hardly any creditors have ever showed up at creditors meetings for people that I have filed bankruptcy for, and that is for over 26 years. The creditors are allowed to show up and ask you questions. When they do show up, it is usually only Sears, and they want to know if you want to keep credit with them and pay a small amount on what you actually owe, in order to keep the credit.
    Answer Applies to: Florida
    Replied: 5/30/2012
    JD Bellum, Attorney at Law PLLC
    JD Bellum, Attorney at Law PLLC | Jared Bellum
    After your attorney files your bankruptcy petition with the court, each of your listed creditors is sent a notice of your filing that includes a case number and your court date. As soon as your petition is filed, an "automatic stay" is placed upon everyone of the assets and debts in your estate. What this means is that no creditor can take action against you to satisfy a debt unless that creditor has been granted relief from stay by the bankruptcy court. Unless the asset is a piece of property, most creditors do not seek relief from stay. Those creditors simply wait for the bankruptcy to be discharged before contacting you again. Long story short, during your bankruptcy you generally will not have contact with your creditors. They will be given notice of your bankruptcy and then will no longer contact you. If they are so inclined, they may contact your bankruptcy attorney. The only time you would have to face your creditors would be at your 341 Hearing, or Creditors Meeting, which is the only time you have to go to court. Creditors are given the option to show up at your hearing and publicly state their claim.
    Answer Applies to: Washington
    Replied: 5/30/2012
    Musilli Brennan Associates PLLC
    Musilli Brennan Associates PLLC | John F Brennan
    Yes, you will have to attend a meeting of the creditors. However the vast majority of contact with the creditors will be through your attorney or the court. He did not have an attorney, get one now.
    Answer Applies to: Michigan
    Replied: 5/30/2012
    Bruce Plesser | Bruce Plesser
    The trustee deals with them.
    Answer Applies to: Florida
    Replied: 5/30/2012
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