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Does Bankruptcy Stop Creditor Calls?

Steven C. Frazier, Attorney At Law  Nov. 15, 2022

Emotional Stress, Bankruptcy, Finance.Hard times might cause you to charge more to your credit card or take out a loan that you can’t repay. Those bills quickly add up, and if you find yourself unable to pay them, you may be harassed by creditors seeking payment for your debts, facing a constant stream of letters and phone calls.  

This situation is overwhelming and impacts all areas of your life, from your work to your relationships. When creditors won’t stop calling, you might decide to seek financial relief. Understand all of your legal options, including bankruptcy, and work with a knowledgeable bankruptcy attorney if you are trying to stop creditor harassment and start a new chapter in your financial life.  

I’m here to help you take control of your financial life. I have over 40 years of experience practicing law, and I provide strong legal advocacy for each of my clients, guiding them through the ins and outs of bankruptcy law. My firm, Steven C. Frazier, Attorney At Law, proudly represents clients in Kingsport, Tennessee, as well as Church Hill, Johnson City, Bristol, or anywhere in Northeastern Tennessee. 

What Is Creditor Harassment? 

Creditor harassment is the use of abusive, unfair, or deceptive practices when attempting to collect on debts. Creditors cannot contact you at an unusual time or place (sometimes that includes work), and they cannot harass you or anyone else.  

Creditors are allowed to take certain actions in order to collect payments; however, they do not have carte blanche to do anything and everything to collect. Debt collectors are still allowed to call you and send you letters – unless you have filed for bankruptcy. 

Will Filing for Bankruptcy Stop Creditor Harassment? 

How do I stop creditor calls? How do I stop creditor harassment? The answer is straightforward. You can pay your debts, if possible, or you can file for bankruptcy. 

Filing for bankruptcy will stop creditors from even contacting you in almost all cases. Once you file for bankruptcy, you will receive an automatic stay which stops creditors from contacting or harassing you.  

If creditors still attempt to contact you after you file for bankruptcy and receive your automatic stay, a bankruptcy attorney can handle your creditors. 

Do I Need a Bankruptcy Lawyer? 

It is possible to file for bankruptcy without the help of an attorney. It is important to observe all guidelines and deadlines. You might still want to consider working with a bankruptcy attorney because of the complexities of the process: 

  • An attorney can help you determine whether you would qualify for Chapter 7 bankruptcy or Chapter 13 bankruptcy. 

  • Your attorney can also determine which chapter would be better to file under in your situation. 

  • Then, your attorney can guide you through the process of filing the paperwork. 

  • Your attorney can handle any ongoing creditor harassment. 

  • Next, your attorney can help you negotiate the best outcome for your unique financial situation.  

  • Lastly, your attorney can help guide you forward after you file for bankruptcy. They can help you understand what to do and what to avoid, as well as the quickest path forward for rebuilding your credit. 

Straightforward Counsel Every Step of the Way 

Navigating the process of filing for bankruptcy can be challenging on your own. From determining the best chapter to file to meeting the court’s deadlines, filing for bankruptcy can consume much of your time and energy. With the help of a knowledgeable bankruptcy attorney, you can be confident that you are making the best decisions for your unique financial situation. You will soon see creditor harassment end, and if it doesn’t, your attorney will handle it for you. 

Whether you are just beginning to consider bankruptcy or you are certain you need to file, my firm, Steven C. Frazier, Attorney At Law, can help. I am committed to providing straightforward and comprehensive legal guidance and representation. With over 40 years of experience practicing law, I am confident I can help you turn a new page in your financial life.  

Steven C. Frazier, Attorney at Law proudly represents clients in Kingsport, Tennessee, as well as Church Hill, Johnson City, Bristol, or anywhere in Northeastern Tennessee. Contact my firm today to schedule your consultation.