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Bankruptcy Law Frequently Asked Questions (FAQs) | Missouri & Illinois Common Bankruptcy Legal Questions

Q: Who lets my creditors know I’m filing bankruptcy?

A: There are two points in the bankruptcy process when you can get creditors to stop bothering you. The first occurs as soon as you retain a lawyer. Under the Fair Credit Collection Act, once a creditor knows you have an attorney, they can no longer talk to you about the debt you owe them. At most firms, it is up to you to let your creditors know you’ve retained an attorney and won’t speak with them until your case is filed. This can often put more stress on top of the stress you are already experiencing. At Castle Law Office, I’ve actually got a special line just for creditors. As soon as you retain me, all of your creditors can be referred there so they can stop harassing you.

The second point occurs after your case has been filed. Creditors will receive a notice a couple days after your case has been filed notifying them that you are in bankruptcy. Most firms don’t do anything else after the notice is sent out. At our office, we make a “hot call” to creditors that are still actively trying to foreclose, garnish, and repossess. The “hot call” lets your creditors know that you’ve filed for bankruptcy and they no longer can take action against you.

Before you choose the best bankruptcy attorney for your case, make sure that he or she offers a service is willing to take the extra steps you need to relieve your stress. If they don’t provide this extra service for you, it may be a sign that they won’t be willing to help you with any other problems you encounter during your case.

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