What to Do If Debt Collectors Keep Calling after Bankruptcy

Updated: Jun 17

When you are in over your head in debt, the constant calls from debt collectors are enough to make you want to crawl in a hole and never come out. It can feel like harassment, detailing your financial troubles with each call you receive.


The decision to file for bankruptcy is a weighted one. But once your bankruptcy is filed, the debt collectors should stop, right? Unfortunately, while they should, sometimes they don’t. Here is what you need to know.


How to Handle Debt Collectors after Filing for Bankruptcy


Once you have filed for bankruptcy, the court will notify all creditors of the bankruptcy. Sometimes, you will still receive a few calls before the notification is received. Please let them know that you have filed for bankruptcy, and the calls should stop.


Keep in mind that debts, such as student loans and taxes, are not forgiven during bankruptcy. So you will receive those bills after bankruptcy.


If other debt collectors continue to call, consider these facts:


· It is against the law for debt collectors to continue pursuing payment after you’ve filed for bankruptcy.

· You have the right to press charges against the creditor for calling and harassing you after bankruptcy.

· The creditor can be held responsible for your attorney fees throughout the process.

· You may be eligible for compensation if they continue to violate the law.


Once you file for bankruptcy, you are in a position of power. You have decided to enter into a path toward rebuilding your finances for future success. Bankruptcy has to be recognized by all creditors involved.


Call a Trusted Lawyer


The simple words, I will be contacting my lawyer may be enough to stop a relentless debt collector. They know they are in violation of the law by calling after you’ve declared bankruptcy. But sometimes, they feed off helplessness or naivety. Show that you are in control by seeking help from a lawyer.


If you need help stopping those debt collector calls after bankruptcy, our Miles & Hatcher LLP team can help you. We know how to file an official complaint and get you the compensation you may deserve. Call to schedule a free consultation: (909) 481-4080.

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