In a perfect world, filing for bankruptcy means the end of creditor harassment, wage garnishment, lawsuits, repossessions, foreclosures, and other forms of debt collection. Unfortunately, debt collectors do not always play by the rules. They do not always honor or respect the authority of the Bankruptcy Court. Some of them will violate the automatic stay that goes into effect when your bankruptcy case is filed, and some will violate the court’s order that discharges your debt.
Any attempt to collect a debt that was discharged in a bankruptcy is illegal. Sometime creditors will continue to make phone calls or requests through the mail, knowing that the debt was eliminated. Other times, their actions are from an oversight in their administrative bureaucracy.
The first step in stopping creditor harassment is to write to the creditor and notify them them that the debt was included in the bankruptcy and that you are no longer responsible for the debt. If they continue to pursue you after your notification, you may be eligible for monetary compensation.
Law Offices of Ryan E. Simpson, P.C. takes a proactive approach to this problem by actively seeking out and prosecuting stay and discharge violations. In some cases, these violations result in the Bankruptcy Court awarding substantial punitive damages to you, often exceeding the costs and fees associated with filing for bankruptcy.
We can provide you with answers to bankruptcy discharge violations, foreclosures, loan modifications, debt relief, wage garnishments, and much more.
If you have previously filed a Chapter 7 or Chapter 13 Bankruptcy and creditors are still harassing you, call us Today at 801-432-8682 for a free consultation.