A bankruptcy filing can provide relief from creditor harassment, but it does not necessarily stop all creditors from contacting you. When you file for bankruptcy, an automatic stay goes into effect. The automatic stay is a legal order that prohibits most creditors from taking any collection action against you, including calling or harassing you. However, there are some exceptions to the automatic stay, such as child support and alimony payments, criminal fines, and taxes. Creditors may also seek relief from the automatic stay in order to continue collection efforts.
In addition, even if the automatic stay is in effect, you may still receive calls or letters from creditors who are not aware of your bankruptcy filing or who are not bound by the automatic stay. For example, a creditor who has a co-signed loan with you may not be affected by the automatic stay and may continue to contact you.
It is important to remember that filing for bankruptcy does not automatically discharge (eliminate) all of your debts. Some debts, such as student loans, taxes, and child support, cannot be discharged in bankruptcy. Creditors may continue to contact you in regard to these non-dischargeable debts.
However, filing for bankruptcy can provide relief from creditor harassment by stopping most collection efforts and giving you the opportunity to reorganize your finances and get a fresh start. Once you have filed for bankruptcy, you should inform your creditors of your bankruptcy case number and the name of the bankruptcy court where you filed. You can also provide them with a copy of the notice of the automatic stay that you received from the bankruptcy court.
If a creditor continues to contact you despite your bankruptcy filing, you should inform the creditor that you have filed for bankruptcy and that the automatic stay is in effect. If the creditor continues to contact you, you should inform your attorney and the bankruptcy court, as this may be a violation of the automatic stay.
In general, filing for bankruptcy can provide relief from creditor harassment but it is not a guarantee that all creditors will stop all contact. However, in case of any violations you can report them to the court and your attorney to resolve the issue.
It’s important to seek the help of an experienced bankruptcy attorney to guide you through the process and help you understand your rights and obligations under the bankruptcy laws. An attorney can also help you navigate any issues that may arise with creditors during the bankruptcy process.
In conclusion, a bankruptcy filing can provide relief from creditor harassment by stopping most collection efforts through an automatic stay, but it is not a guarantee that all creditors will stop contacting you. Some creditors may be exempt from the automatic stay, and some debts, such as student loans and taxes, may not be dischargeable in bankruptcy. It is important to consult with an experienced bankruptcy attorney in Prattville to understand your rights and obligations under the bankruptcy laws.