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So though it's illegal, in some cases a debt collector may call you. A single call may be an honest mistake, but if a debt collector continues to call after you've told them about your bankruptcy, you can take legal action to stop them.
Most bankruptcy cases pass through the bankruptcy process with little objection by creditors. Because the bankruptcy system is encoded into U.S. law and companies can prepare for some debts to discharge through it, creditors usually accept discharge and generally have little standing to contest it.
Key Elements to Include in the Letter It should include the name and contact information of the debtor, the date of the filing, the court where the bankruptcy was filed, the case number, and the type of bankruptcy filed. It should also provide information about the bankruptcy trustee and the meeting of creditors.
They don't get mad when they get your bankruptcy filing and they don't cry when they get your bankruptcy filing. Instead, they process the bankruptcy notice along with the thousands of others they get each year without an ounce of emotion about it.
As soon as a bankruptcy is filed, an "automatic stay" is ordered by the court, which protects you from your creditors. After filing a case, all creditors should receive notice about the bankruptcy from the court to inform creditors it is illegal for them to contact you in any manner.
Very soon after the bankruptcy petition is filed, the clerk's office mails a notice to creditors that a debtor has filed for bankruptcy.
A Notice of Bankruptcy is sent to creditors after one of their debtors files a petition with the court attempting to claim bankruptcy. After receiving the notice, the creditor must take certain steps to protect their interest in the money they are owed.