Your debt finally got to the point where your only choice was to file bankruptcy. Your lawyer told you that even though you would have a black mark on your credit report, your debt would be wiped clean and the creditors would have to leave you alone.
Immediately after the legal decision was handed down, everything was fine, but now the creditors have started calling you again. What can you do?
Unbelievably, this happens far too often. Creditors see the paperwork come through that a significant debt has been wiped off the records and they choose to ignore the decision rather than deal with the reality that they are not going to get their money.
They will sometimes make a last ditch effort and pressure the consumer to pay the debt so they can recover something. The only problem is that this is illegal.
Legally, once you have acquired an lawyer and have started the process, creditors are no longer allowed to contact you directly
If they do, you should notify them of the legal action and refer them to your lawyer. Once they have been notified, all contact must go through the lawyer.
If they violate this, there are serious repercussions.
In many cases, they will claim ignorance or insist they were never notified. If this is the case, provide them with the proper information to contact your attorney and then call your lawyer to alert them of the matter.
You can also supply them with a copy of the documentation regarding the legal action.
It might be wise to send the information with a requested signature to prove they have indeed received the documentation regarding the bankruptcy.
If they do contact you again, immediately contact your lawyer and let them handle it.