When Do I Get Relief From My Creditors

When you file a bankruptcy, the court sends out an order to all the creditors listed in your petition forbidding them from taking any action to collect the debt. They are not to call you at home or at work. However, up to the time that you file, creditors are free to pursue lawful collection efforts. The filing takes place when the bankruptcy petition is received by the Bankruptcy Clerk. The petition is sent to the Bankruptcy Clerk after you come to our office and review and sign the bankruptcy petition and schedules, which we prepare from the information forms that you complete. If you are concerned about relief between now and filing the bankruptcy, our experience has been that when our clients have informed unsecured creditors that they have retained us to file bankruptcy, the creditors have stopped the harassing telephone calls. However, do not tell creditors that you have retained our services until you have paid us the $400.00 nonrefundable retainer. NEVER tell a secured creditor unless you are willing to have collateral repossessed. Furthermore, do not tell a bank in which you have funds or deposit, because the bank may take funds from your account to pay your debt to it.

**The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for individual advice regarding your own situation.**