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Once you’ve filed for bankruptcy and the case has been closed, you’re likely breathing a sigh of relief that you no longer need to deal with calls from creditors. While it’s possible for creditors to call even after you claim bankruptcy, this should not happen. The best thing to do when one of these calls occurs is to contact the trustee that handles your bankruptcy case or a bankruptcy attorney. You need to know if there is any valid basis for the creditor to be calling you, and what you should do about the calls in any event.

Will Creditors Call After I’ve Claimed Bankruptcy?

Once you’ve filed for bankruptcy, creditors shouldn’t be calling you, but this doesn’t mean that some won’t still attempt to do so. After you’ve made your bankruptcy claim, the courts will grant what’s known as an automatic stay on all of your debts. This means that creditors cannot take any action to obtain the debts that you previously owed, although there are a few small exceptions to this rule.

This automatic stay begins immediately after you’ve filed the bankruptcy claim. However, there are a number of reasons as to why creditors may still call you. All creditors should’ve been made aware that your debt was lifted, however, some may have been missed. It’s also possible that the creditor knows that you’ve been relieved of paying your debts, but is still going to try to obtain the compensation they believe they’re owed. However this is illegal, and the creditor is opening themselves or their company up to legal ramifications if they continue in this behavior.

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While there are a number of reasons you might still be contacted by a creditor after filing for bankruptcy, the primary reasons fall into three categories:

error,
omission,
coercion.

Even though every creditor is contacted by the trustee in charge of your case, it’s possible that the creditor did not properly record the fact that you’ve filed for bankruptcy or didn’t send this information to the right department within their company. While unlikely, these errors can occur. It’s also possible that the creditor is still calling due to an omission on your part. If you have forgotten to properly list one of your creditors within your bankruptcy paperwork, there’s no way for them to have been notified. This highlights why it’s essential to list every single creditor that you owe money to when you file for bankruptcy.

For Further Information:-

Washington Fresh Start

2115 N 30th St #204

Tacoma, WA 98403

Phone: (253) 284-9909

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