Will a bankruptcy stop my creditors from calling? 33 Answers as of June 24, 2011

Yes, a bankruptcy will make your creditors stop calling.

Once your case is actually filed the creditors are prohibited from calling or taking any collection actions.

There are (fairly toothless) fair debt collection practices acts designed to deter creditors from calling; the express goal was to obviate the need for bankruptcy by curtailing undue influence and oppression... suffice to say it was a lofty goal. In any event (even toothsome) fair-debt laws won't preclude garnishments, attachments, and property-seizures. Calls are the start of a long, dark path. Bankruptcy truly stops the calls and eliminates the debt itself.

You can tell them to cease & desist all communications, you've retained counsel and it should stop. After you file, the Automatic Stay will bar them from proceeding.

You can file right away, that will stop them OR send them a letter via certified mail, return receipt telling them to stop calling. Keep a copy of the letter for your records. If they call you after that you can sue them.

You must actually FILE the Bankruptcy for them to stop.

Once your case is filed most of the calls will stop. Those that continue to call - advise them you filed bankruptcy and give them your case number, chapter of bankruptcy filed, location and date of filing - they must stop calling after getting that information.

File your case asap.

You need to actually file the bankruptcy to stop the calls.

Only the filing of the bankruptcy petition with the bankruptcy court will stop them from calling. Upon filing, an "automatic stay" against collection goes into effect with an "Order for Relief." 11 USC 362(a).

Telling your creditors that you will file bankruptcy is not the same as actually filing. Once you have filed, you should notify your creditors that you filed and provide them with your full name, your account or loan number, the bankruptcy case number, date of filing and the federal district court in which you filed the bankruptcy. Once the bankruptcy case is filed, an "automatic stay" or federal court injunction goes into effect that prohibits most creditors from contacting you in an attempt to collect their debts. Once they have knowledge of the automatic stay, if they continue to contact you, report them to your attorney. Your attorney can file an action in bankruptcy court asking the judge to award you damages, costs and attorney fees against the offending creditors.

Your creditors must stop calling once they are notified that you have actually filed for bankruptcy. An automatic stay, which prevents them from contacting you, goes into place when you file. I usually tell my clients to give them one call, where you tell them that you have filed bankruptcy and give them your case number. After that, start keeping track of the calls and consult with your attorney to see if someone has gone over the line and your attorney needs to go after them for the violation of stay. Good Luck!

Filing bankruptcy will make them stop. Telling them to call your lawyer will also make most them stop. (Assuming you have a lawyer.) Debt collectors have to stop calling when you send them to your lawyer. Original creditors usually will out of politeness; and in some states they have to stop calling, too, when you tell them to call your lawyer.

Actually filing it.

They can continue to call until you file, but not after.

Once you really file and give the creditors the case number they will stop calling or will face severe sanctions by the bankruptcy court for violation of the automatic stay the takes effect upon filing.

After a bankruptcy is filed creditors are sent notices. They are prohibited automatically from pursuing collection once the case is filed.

One you file bankruptcy, credits must stop calling you due to the bankruptcy automatic stay that is in place. If they persist, then they face paying significant damages in the bankruptcy court.

Telling them you will file without filing is frankly a horrible idea and will cause them to call more. Once you file, assuming you get a lawyer, your lawyer will make sure the calls stop and proper notice is given.

Hiring an attorney will direct most if not all of your creditors to the attorney before filing the case. After filing, the creditors are barred by law from harassing and calling you.

File. Filing bankruptcy puts in place an injunction from creditors continuing to collect, including making telephone calls.

You have to actually file a bankruptcy and have a case number to provide the creditors calling you. Bankruptcy is filed through the Case Management/Electronic Case Filing (CM/ECF) system. This system will generate a case number as soon as you file your case. If creditors continue to call after the third business day from the date of filing you need to notify your attorney to ensure they were listed on the creditor matrix.

Yes, it will stop collections and calls.