How Do I Make The Creditors Stop Calling?
A San Francisco bankruptcy lawyer tells San Francisco consumers in debt how to make the creditors stop calling...
Is there a way to make creditors stop calling? Yes. Creditor calls are annoying and non-stop. One of the most common questions individuals ask when considering bankruptcy is whether retaining an attorney and filing will make the creditors stop calling. Retaining an attorney for bankruptcy allows you to tell the creditors they can no longer contact you and to refer all future calls to your attorney.
What happens if the creditors continue to call?
If you continue to receive harassing phone calls from creditors after you told the creditors to stop calling you need to let your attorney know. There are certain laws controlling creditor behavior and continued harassment is in violation of those laws. If the violations are severe enough the creditors can be sued.
Does filing for bankruptcy make the creditors stop calling?
Yes. Filing a bankruptcy petition makes the creditors stop calling. Creditors are not supposed to contact you once you file your petition. If anything needs to be worked out between you and your creditors, your bankruptcy attorney will handle the communications.
Can the creditors still sue me prior to filing for bankruptcy? Yes. Prior to filing the bankruptcy petition, creditors are still free to sue you in court for the amount of outstanding debt. If you have just recently stopped paying your credit cards this is not an issue to be too concerned about because it takes some time to prepare the complaint and file it with the court. However, if you are several months to a year behind on your credit card payments, it is likely they will file a complaint. If you are served with a complaint, filing for bankruptcy will stay those proceedings and likely discharge the outstanding debt so you do not have to appear in court.
If you have questions regarding bankruptcy in San Francisco or bankruptcy in the greater Bay Area please contact our San Francisco Bankruptcy Attorneys at (415) 946-8882 for a free consultation or visit www.bkanswers.com and we can connect you with one of our experienced San Francisco Bankruptcy Attorneys. After you have spoken with one of our Bay Area bankruptcy attorneys, we can schedule you for a free face to face appointment in an office location nearest you. Our team of Bankruptcy Lawyers, Bankruptcy Customer Care Specialists and Bankuptcy staff supporting San Francisco and Bay Area consumers in debt can assist you with all aspects of your bankruptcy or bankruptcy litigation case. If you have questions about filing a Chapter 7 bankruptcy, a Chapter 11 bankruptcy, a Chapter 13 bankruptcy, or would like to learn more about bankruptcy litigation, legal debt settlement, mortgage modification, lien stripping, cram down, stopping a foreclosure, wage garnishment, asset protection, discharging a debt, etc. we can help! We have bankruptcy attorneys located throughout California and Oregon who can assist you with all of your debt resolution questions. Please feel free to complete our free online bankruptcy evaluation and we can quickly determine if you are a qualified candidate for bankruptcy. We look forward to hearing from you, San Francisco Bay Area!
