What Happens if Creditors Call Me After Bankruptcy In New York City?

The law is on your side.  If your creditors continue to contact you in any way after being informed of your bankruptcy they will be violating the bankruptcy laws in New York City.  Your bankruptcy discharge is absolute.  You are free and clear of the debts you had going into your bankruptcy, and most creditors know this all too well.    Unfortunately that doesn’t stop some of the worst of them from trying to come after our bankruptcy clients anyway.

It can be very frustrating when the creditors won’t leave you alone when they know you have filed bankruptcy.  They will try to fool many people by saying things like, “that debt doesn’t qualify”, or “you still owe us for this one regardless of your bankruptcy.”  Collections agents know what they are doing.  They are very experienced in tricking people, and have a well rehearsed script for every debt collection situation.  After a successful bankruptcy we advise clients to keep your bankruptcy case number as well as our law firm’s contact information handy to help you ward off the last wave of creditor calls.

Most of them will get the message, but some will have convincing tactics n that are designed to extract an immediate over the phone payment regardless of your comments.  Stand your ground, and don’t make a payment.  You have to remember the power of your bankruptcy protection, and that you are legally protected against any continued harassment from your creditors. They are required to leave you alone.  If they want to push it, and won’t back off after you give them your case number and our telephone number we might consider suing them for violating the Fair Debt Collections Act.

If you file bankruptcy in New York City a qualified bankruptcy attorney should start taking your creditors calls on day one.  You will begin to feel the relief immediately as the automatic stay provision will go into effect the moment you file.  With your attorney’s help you will be able to effectively end any further communications with your creditors and eliminate the debts you have with them.  If you have questions about bankruptcy in New York City or have creditors harassing you day and night please contact the Law Offices of William Waldner online or at 212.244.2882 to arrange a free bankruptcy consultation today.  We only practice bankruptcy law and maintain a 99% Chapter 7 Bankruptcy discharge record in New York City as of 8/31/16.

This article is intended for educational purposes only.  By reading no attorney-client relationship has been created.