Will Creditors Still Call and Harass Me?
Law Offices of Chance M. McGhee

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210-342-3400

Will Creditors Still Call and Harass Me?

San Antonio Bankruptcy Lawyer Stopping Illegal Collection Activities

When you file for bankruptcy, it is a violation of the United State Bankruptcy Code for creditors to continue with collection activities. They cannot call you, seek a judgment against you, repossess your car, foreclose on your home, garnish your wages, or take any other action against you without express approval from the bankruptcy court.

Skilled South Texas Bankruptcy Attorney

Formally filing for Chapter 7 or Chapter 13 bankruptcy places a stay on all collection activities related to your outstanding debt. This means that during the bankruptcy proceedings, your creditors are prohibited by law from calling and harassing you. Once the proceedings have finalized, creditors may not continue collection activities on debts that have been discharged by your bankruptcy. If creditors continue to call and harass you, they can be held in contempt of court and subject to sanctions and penalties.

Dealing With Harassing Creditors

If you have filed for bankruptcy and you receive a call from a creditor, there is a good chance that the call was a simple mistake. Make a note of the date and time, inform the caller that you have filed for bankruptcy, and direct the creditor to contact your bankruptcy attorney. If you receive another call or letter from the same creditor, you should let your lawyer know about the situation. Should the harassment continue after two warnings, your attorney may be able to take legal action against the creditor.

Bankruptcy may not be the right choice for every situation, but when used properly, it can provide the fresh financial start that you deserve. You should not have to continue to endure harassment and threats from collection agencies and other creditors. Sometimes, however, informing a creditor that you have filed for bankruptcy is not enough and more aggressive action is necessary.

Call 210-342-3400 Today

If creditors are continuing to call and harass you after your bankruptcy filing Attorney Chance McGhee is ready to provide the assistance you need. Contact our San Antonio office today by calling a 210-342-3400 and schedule your free, confidential consultation.

Call Today for a FREE Consultation

210-342-3400

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