Will Bankruptcy Stop My Creditors From Harrassing Me?

A. Yes. The minute your bankruptcy is filed, the Bankruptcy Court issues an order called an "Automatic Stay." This order tells all of your creditors to leave you alone. If they don't obey that order they will have a problem. It prohibits creditors and collection agencies from initiating any further collection actions against you. They are not even allowed to call you anymore.

If one of your creditors violates the automatic stay, you have the right to bring that creditor before the Bankruptcy court on a contempt charge and be compensated accordingly. Bankruptcy Judges do not like it when their orders are ignored by creditors and collection agencys.

Once you file your bankruptcy there will be no more phone calls, no more collection letters, no more collection lawsuits, no more repossessions, no more foreclosure actions, no more threats. You will be able to take the first step to regain your family's financial future.

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