Bankruptcy Attorneys in Tampa Provide the Answer to the Question - Can a Creditor Continue to Try Collecting on Your Debt after a Bankruptcy?
One of the most common questions a struggling consumer will ask their bankruptcy attorneys in Tampa is if their debts will be fully discharged by a bankruptcy, meaning they will no longer be responsible for paying them. The answer to this question depends on a number of factors, as certain debts are not dischargeable by bankruptcy. However, for those that are, the next question is often along the lines of this – what will I do if a creditor continues to try to collect on my debt?
When you file for Chapter 13 bankruptcy, a common choice for many distressed consumers, an "automatic stay" is enacted by the bankruptcy court. As your bankruptcy attorneys in Tampa will tell you, this means that all creditors must stop their bill collection efforts against you while your case is underway. If a creditor continues their efforts to collect your debts, your bankruptcy attorneys in Tampa can help sort this situation out. Often, the first step is to notify the creditor in writing that you have filed for bankruptcy and provide them the information related to your case. Further attempts to collect can often be remedied on your part with legal action and a court order to halt collection efforts. Your Tampa bankruptcy lawyer can assist you if this step becomes necessary, as a motion will need to be filed in court. If the creditor is willfully violating your automatic stay, they can potentially be held in contempt of court and face possible fines.
If you are considering bankruptcy and have questions about what will happen to your debts, including whether your creditors can continue their collection attempts or if your debt will be discharged completely, contact the bankruptcy attorneys in Tampa from Yesner & Boss, P.L. today. We can schedule you for a free consultation to answer any questions you might have about the bankruptcy process.
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