Interacting with Creditors After Bankruptcy

If after filing bankruptcy, former creditors contact you, here are some quick tips for dealing with them:

Interacting with Creditors After Bankruptcy

Tell the creditor you’ve received a discharge of the debt in bankruptcy. Give the creditor the following information:

  • Case Number #
  • Chapter filed (e.g., 7 or 13)
  • Date filed
  • Court location (e.g., District of Utah)
  • Date of the discharge order
  • Whether the creditor was listed on the debtor’s schedules

Stay calm. Take notes of the conversation, including the details provided to the caller about the bankruptcy. Any more contact by this creditor may result in a lawsuit in which the creditor will have to pay damages and attorneys’ fees.

A fundamental goal of the federal bankruptcy laws is to provide debtors with a financial “fresh start,” so they may begin life anew. A bankruptcy discharge releases or “discharges” debtors from personal liability for most debts. The Law Office of Todd Cushner & Associates, P.C. may help anyone get a fresh start and obtain a discharge in bankruptcy of most, if not all, of their debts. Call Todd S. Cushner directly at (914) 600-5502 for a free consultation. The Law Office of Todd Cushner & Associates, P.C. offers extensive knowledge, expertise, and experience to anyone considering and contemplating bankruptcy.

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