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A suggestion of bankruptcy is a form that notifies a civil court that you filed for bankruptcy relief. A suggestion of bankruptcy can be filed for a Chapter 13 or Chapter 7 bankruptcy case. The suggestion of bankruptcy does not dismiss the civil court action. However, it pauses the action.

Any civil litigation in which the bankruptcy debtor was a defendant is stayed upon the bankruptcy filing; the debtor will likely file a “notice” (sometimes called a “suggestion”) of bankruptcy in the civil litigation, but the stay applies automatically.

In a chapter 7 “no asset” case, if the trustee files a Notice of Possible Dividends a notice is sent stating the deadline by which a claim is due. In chapter 9 and chapter 11 cases, creditors receive a specific notice of the deadline by which a claim is due.

How long before a debt becomes uncollectible? It depends on the statute of limitations in your state. Typically, this is a period between three and six years. However, it may extend beyond that in some cases.

But if you don't dispute the validity of the debt (or part of it) or don't request the original creditor's name and address within 30 days of receiving the first collection letter, the agency can assume the debt is valid and continue collection efforts during the 30 days and after.

There's no set time limit in which collectors must respond to a debt verification request you send them. However, they're required to send a debt validation letter within five days of first contacting you.

What information is required to be in the validation notice from a debt collector about my debt? A statement that the communication is from a debt collector. Your name and mailing information, along with the name and mailing information of the debt collector. The name of the creditor you owe the debt to.

What Happens If the Collector Doesn't Validate the Debt? If a debt collector fails to validate the debt but continues to go after you for payment, you can sue that debt collector in federal or state court. You might be able to get $1,000 per lawsuit plus actual damages, attorneys' fees, and court costs. (15 U.S.C.

Can you dispute a debt if it was sold to a collection agency? Your rights are the same as if you were dealing with the original creditor. If you do not believe you should pay the debt, for example, if a debt is stature barred or prescribed, then you can dispute the debt.