When you cannot pay your bills, it is stressful. To make matters worse, you are likely being harassed by bill collectors calling you and mailing your notices. You may have even told them you are planning to file a personal bankruptcy, but it hasn’t stopped them. Collectors will continue to bother you until they receive actual notice of your Chapter 7 or Chapter 13 case being filed.
But what do you do while you are waiting for your case to be filed? It is important to know your rights. You should stay calm when you are speaking to debt collectors. You should be polite, but firm. If they are using unlawful tactics, such as making threats, using profane language or other harassing behaviors, you may wish to tell them you are recording the conversation and you will provide the recording to your attorney. This simple statement is typically sufficient to make the collector behave.
If you have already retained our law firm to handle your bankruptcy filing, you should give our contact information to the collector. Additionally, if we have already filed your Chapter 7 or Chapter case, you should immediately provide the collector with your case number and the other relevant information he/she can use to verify your filing. It is also wise to make several copies of your Notice of Bankruptcy form, attach it to any bills you receive in the mail, and write “see attached bankruptcy notice” on the invoice and mail it to the creditor.
If you have taken these steps and a debt collector continues to contact you, we can help stop the harassment and seek damages on your behalf.
The “defender of the little guy,” DeLadurantey Law Office, LLC.\ handles bankruptcy matters (Chapter 7 and Chapter 13) in Milwaukee, South Milwaukee, West Milwaukee, and Milwaukee County, including the municipalities of Bayside, Brown Deer, Cudahy, Fox Point, Franklin, Glendale, Greendale, Greenfield, Hales Corners, Oak Creek, River Hills, Shorewood, St. Francis, Wauwatosa, West Allis, and Whitefish Bay. The firm also can handle your debt negotiations, debt relief, and mortgage loan modifications. Contact DeLadurantey Law Office, LLC by phone: (414) 377-0518. Like us on Facebook.