Will Creditors Stop Harassing Me Once I File for Bankruptcy?

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Yes! In fact, it is against the law for them to continue to do so. No more harassing phone calls, and no more embarassing calls to your place of employment.

Once you have filed for bankruptcy, it is by law that your creditors must stop actions against you. Wage garnishees cannot be initiated against you (or continued) and they must stop phoning to demand payment. If you are subject to any lawsuits, these must stop as well.

If you should receive any harassing or annoying creditor calls after you have filed for bankruptcy, a letter can be mailed to the creditor which spells out Section 362 of the Bankruptcy Code (Automatic Stay.) This letter will prohibit any creditor from contacting you again, or they risk being held in contempt of court.

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