What If My Creditors Are Still Bothering Even After Bankruptcy?

It isn't just the elimination of your debts that makes bankruptcy truly wonderful

. The peace of mind that comes from getting your creditors off your back is invaluable. Now you no longer have to worry that every time the phone rings, it is a creditor!

Your creditors are prevented from contacting you because of the automatic stay in your bankruptcy. Federal bankruptcy law demands that creditors stop contacting you about any debt that was involved in the bankruptcy. That includes any other tactics they use including letters, phone calls, or threats to your property.

Even when you are done with your bankruptcy case, your creditors are prevented from contacting you about debts that were discharged. Contacting you is prevented by the discharge order from your bankruptcy.

What a relief! There are guidelines that third-party creditors are required to follow but it is not uncommon for them to break the rules set forth by the FDCPA. Some of the common yet terrible tactics of bill collectors include abusive language, adding additional, unauthorized charges, bothering you at work even after you've asked them to stop, and harassing your family. It is no wonder that you couldn't wait to be free of your creditors!

A creditor can, however, attempt to collect a debt that was created post-bankruptcy. Your discharge order protects the debt you had when filing, but additional debt that you incur afterward is collectable by your creditors.

Getting back into debt after just getting out is not a wise move to make. You'll have to relive the consequences of debt you were so wanting to get out of in the first place--but without the protection of a St. Louis bankruptcy attorney. To stop this from happening, you must be careful with your post-bankruptcy spending. Getting right back into debt after eliminating it through bankruptcy is simply unwise.

Life after bankruptcy can be wonderfulas long as you are cautious about your spending habits and follow the guidelines to make the most of your fresh start. There is no reason to have this issue arise--as long as you are spending responsibly. The ability to prevent it is all up to you. It is important that you find a bankruptcy attorney who will not only make your bankruptcy process easy but also help you get back on your feet afterward. There is no reason that you shouldn't be told the best tactics and tips for getting back on your feet after bankruptcy.

by: Jim Brown

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