What To Do If Creditors Still Calling You After the Bankruptcy?

Since the bankruptcy filing commences, creditors should immediately stop harassing you. It’s so annoying that even after they listen, they continue to show you only the door. It can be a bit frustrating if creditors contact you actively when the bankruptcy is ongoing and even sometimes after debts are lifted. Therefore, Texas residents who are not satisfied with this have to reach out to Texas Bankruptcy Attorneys to assist them. We are ready to ensure you have it safe after/despite bankruptcy.

To schedule a free no-bounding case exploration and to find out your rights, please call us now!

What Do Debt Collection Agencies Need to Know and Let Phone Calls Go Slowly?

When encountering a creditors call, you should get prepared for them whether you’re in a delay. Remember, however, that there are certain rules applicable for when and how they can send messages to you. Like that, they can’t phone before 8 a.m. or after 9 p.m. and they have to call only when you’re on holidays and not working. It may be that the collector will not intimidate you or say wrong things when he or she comes after you for the debt. Among all, the thing that is most important is they have to call the person again if they are asked to stop calling by writing down.

Turn off collection calls by asking for the creditor’s mailing address and informing that you do not want dealings over the issues. You can produce a copy of the document for your own archive. Ask the collector to deliver your letter via certified mail, and acquire a “return receipt” to get proof of the day the collector received your missive. Once they receive your message, they can neither discuss with nor further correspond to you anymore. However, there are two exceptions:

• An acquaintance may tell you that there is no following continuation, or they may ask you to send them an email so that they can explain the matter further.
• They might find it necessary to communicate with you for permitting them to perform a particular action, for example, initiating a legal procedure.

Wait a moment, you had not got rid of your debt just because you had got a relief. Accept the fact that your mission statement is merely asking to stop the collection calls. In most cases, if you won’t be able to reach a breakthrough in negotiations the debt collector can still go to court demanding the debt to be repaid.

Yes, They Are Collection Calls That Will Happen After Discharge Process

Possibly you didn’t file for bankruptcy to begin with because you sought out a reboot. However, if you are still faced with creditor’s bullying, you won’t be able to move from the past harms you have made to progress. This should make your life much easier and prevent you from being the victim of illegal and cheating actions.

Some Methods of Ending the Calls from Collection Agencies

• Explain That You’ve Filed for Bankruptcy: Informing the creditors to whom you spoke that you have entered such a situation will only lead them into filing a bankruptcy charge. Still, some of the creditors may find out on the fact that you have filed bankruptcy and decided not to stop contacting you.
• Takes Notes During Every Harassing Call: Prepare a chart of all the collectors who tries to hound you. Jot down the instances that they call and don’t forget what they said. This record may serve as evidence for your attorneys to use on trial if it is deemed necessary.
• Contact A Bankruptcy Lawyer: Shoot them a memo stating that your creditors keep calling and the evidence you have to prove your claim. … They will advise the court concerning bankruptcy, and start the relevant law procedures.
• Take Creditors To Court: If the harassment does not stop, you watch it getting to the point where fighting creditors in courts. Likewise, they may be at fault for the mental trauma which you have lost in this process.

Creditor May Recoup a Debt That Was Discharged Properly?

One of the main advantages of bankruptcy is that once the court finds your debt has been successfully discharged, then you are no longer obligated to pay that debt. Because the bankruptcy discharge order stops all collection attempts, Sirus does not have to deal with debt collectors trying to collect on the debt. Should an exacting debt collector step in and file an action or threat a suit, do not forget to raise the issue with your attorney.

If they do not initiate the procedure of stopping their legal action against you by themselves, you will need to go to court to force them. Your credit harassment claim may allow you to receive remuneration for their violation or violation of your law.

Reach Out to A Texas Chapter 7 Lawyer or Chapter 13 Counsel for Assistance

Filing for bankruptcy protection under federal bankruptcy laws makes people face losing their dignity. Our Texas bankruptcy lawyer team has your back if you persist in being continuously harassed by creditor calls. Get in touch with our professional Attorney; call us to find out more information about your options in a free case review.