Will my creditors be able to keep calling me?
Once you have filed for bankruptcy, an automatic stay is put in place by the bankruptcy court, which means that your creditors are not allowed to contact you. Specifically, creditors are prohibited from contacting debtors by telephone, mail, or otherwise demanding repayment; taking actions to collect money or obtain property from the debtor; repossessing the debtor's property; starting or continuing lawsuits or foreclosures; or garnishing or deducting from the debtor's wages.
Creditors can petition to court to lift a stay for special circumstances, such as if the creditor has a secured lien on the debtor's property, e.g., a vehicle or house.
