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When an individual, family, or business files for bankruptcy, all ongoing debt and collection litigation must come to a halt. All debts are included in the bankruptcy. All collection agencies and lawyers must cease all collection and litigation efforts against you regarding the debt.

Upon filing for bankruptcy, each creditor, collection agency, and law firm associated with the debt will be formally notified that the debt is part of your bankruptcy. If after the creditors, collection agencies, or law firms have been formally notified of your bankruptcy protection status, they choose to continue their collections or legal efforts against you, this may lead to fines and penalties and may open the door for you to seek damages against them through civil litigation.

Suppose you are contacted by a creditor, debt collection agency, or law firm after they have been formally notified of your bankruptcy status. In that case, document all phone calls, emails, letters, or other forms of contact by these parties and immediately provide this documentation to your bankruptcy attorney.

It is not uncommon for your debt to have been passed along to various collection agencies that all want to be paid for collecting a debt that is owed. The original creditor's responsibility is to ensure all debt collections and legal actions are stopped once they are notified of your bankruptcy protection status. Not being aware that the debt collection process has been passed along to various collection agencies or independent debt collection contractors is not a defense for the creditor or collection agency. All current collection efforts and civil litigation must immediately cease for debt that is included in a bankruptcy case.

We are extremely detailed in our preparation regarding your bankruptcy and bankruptcy-related legal issues, provide a comprehensive approach in seeking a successful bankruptcy, and guide you through this difficult process with the dignity and respect you deserve.