Raleigh Bankruptcy Attorney

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Sheree is in the Top 3.9% of ALL Bankruptcy Attorneys. Nationwide (click here to go to NC Bar)

Voted Top Bankruptcy Lawyer in Raleigh for 2022, 2023, & 2024
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When Do Creditor Calls Stop?

When Do The Creditor Calls Stop in Raleigh, NC?

When You Pay $500 and Send in a Contract: Once you pay $500 and send us a signed contract, we can start handling those annoying creditor calls for you. Keep in mind, though, this doesn’t mean we’ll represent you in court—just for bankruptcy. While most creditors will stop their actions at this point, they still can take legal steps.

When Your Filing Is Received by the Bankruptcy Clerk: Once your bankruptcy paperwork is filed with the court, the court sends an order to all the creditors you listed, telling them they have to stop trying to collect from you. That means they shouldn’t call you at home or at work. But until we file your case with the court, creditors are still allowed to legally try to collect what you owe. We’ll file your case after all your paperwork is reviewed and signed, and after you’ve paid all the necessary fees.

If Creditors Still Call After You File: If you get calls or letters after your case has been filed, and you’ve already told them about your bankruptcy, you should contact us. If they call, get the name of the caller, their phone number, and how much they’re asking for. Stay calm and polite—let them know you’ve filed for bankruptcy. If they send you a letter, save the envelope and everything inside. This will help us take the right steps.

Creditors Who Keep Calling: Once creditors know about your bankruptcy case, they’re breaking the law if they keep calling or sending letters. The bankruptcy court takes this very seriously and can fine them, or even make them pay you for breaking the rules. Don’t worry, we’ll help you through it.

What If a Creditor Harasses You After Bankruptcy? Sometimes, creditors might claim they didn’t get the notice about your bankruptcy case, and you might still get calls or bills. To deal with this, make several copies of your 341 meeting notice (this is the notice about your bankruptcy meeting). If you get a bill, send them a copy of this notice. Within 7-10 days after we file your case, you’ll get a notice in the mail with details about your 341 meeting. If creditors continue to contact you after they’ve been informed, let them know you’ve filed for bankruptcy and provide your case number.

If a creditor still won’t stop bothering you, let us know. We’re here to make sure you’re protected!