Can a debt collector collect after bankruptcy?
Can a debt collector collect after bankruptcy?
Creditors can undertake no collection activity after filing bankruptcy or a consumer proposal. In fact, you are not allowed to pay an unsecured creditor after you go bankrupt, and knowing this the creditors will stop calling you simply because behaving differently makes no sense.
Can creditors contact you during bankruptcy?
According to Section 524 of the U.S. Bankruptcy Code, after you file bankruptcy no one can take action against you if the debt has been discharged. It is illegal for creditors to contact you about payments for the discharged debts.
Can a creditor try to collect debt during my bankruptcy?
If, after you file for bankruptcy, a creditor continues its collection actions against you, the creditor may be violating bankruptcy’s automatic stay. Read on to learn when collection activities violate the stay and what you can do if a creditor continues to collect a debt in violation of the automatic stay.
What to do if you forgot to put a debt on your bankruptcy?
If you have a pre-payment meter with the debt loaded on to it, ask them to stop deducting money for the debt from your payments. Also tell your Official Receiver’s office about the debt you missed off. They won’t mind but they do need a complete list of your debts.
What to do if you get a letter from a debt collector?
Look up the court’s contact information yourself and use it to get in touch with the court to confirm the notice is accurate—don’t use the address or phone number on the document you receive in case they’re fake. There’s an important exception to the FDCPA: in-house debt collectors aren’t subject to it.
How are debt collectors trying to get money out of You?
Try to Collect Debt You Don’t Owe Some debt collectors will knowingly or unknowingly rely on incorrect information to try to get money out of you. The creditor you originally owed money may have sold your debt to a collection agency, which in turn may have sold it to another collection agency.