During the initial consultation and while in the process of filing bankruptcy, debtors often inquire whether creditors can continue to contact them. Some debtors receive 30 or 40 phone calls per day and wish for the contact to cease. Before debtors actually file their case, the creditors can continue to contact them. If the debtors have retained an attorney to file bankruptcy but have not yet filed, the creditors can continue to contact them. The case is filed once all the paperwork has been prepared by the attorney, reviewed by the client, and submitted to the court. At that point, the debtors will receive a case number and their creditors should receive notice that a bankruptcy has been filed. It is illegal for creditors to continue to contact debtors once a case number has been obtained.
Additionally, debt collection agencies sometimes use methods to attempt to collect a debt that may be in violation of the law. If this occurs, a debtor may be eligible to receive sanctions from the creditor. It is a violation for creditors to contact people about debts they do not owe, continue to contact creditors after they have received notice of the bankruptcy, call debtors at work if they have indicated that it is not acceptable to receive phone calls, leave messages for debtors without identifying the company they work for or without identifying they are attempting to collect a debt, call friends and/or family members and disclose to them that you owe a debt, call before 8 am or after 9 pm, or threaten legal action, such as warrants and/or arrest, etc.
If you have experienced this conduct with creditors or need additional information, do not hesitate to contact a St. Louis or St. Charles bankruptcy attorney.