What should I do when creditors call me?
- When you are in bankruptcy, you are protected by the "automatic stay," which prevents creditors from contacting you directly.
- Sometimes, however, bills and letters from creditors cross in the mail, or were prepared prior to a creditor getting notice of the case. So it is possible that you will get a few calls from creditors after filing.
- Please tell them you have filed bankruptcy (or have retained us), and tell them to call Slayton Law at 434-979-7900.
- If the calls persist, get their phone number and address so we can contact them and tell them to stop. Or, provide us with any letters you've received requesting payment so we can send a letter telling them to stop contacting you.
- Remember, anything owed before you filed is included in the bankruptcy. But if you incurred any debt AFTER you filed, you are responsible for paying that balance.