The filing of your bankruptcy papers operate to automatically stop any collection efforts once the creditor is notified. Most legitimate creditors know about this and will respect that legal
requirement. It usually takes about 30 days for a creditor to get officially notified. Occasionally, however, some creditors may not get the word or may just try to muscle their way in for more money than they are allowed to receive or continue to try and collect on the debt. If you are contacted, first check to be sure that creditor has been listed on your bankruptcy papers. If they weren’t listed, see your attorney about adding them to your bankruptcy. If they were listed, still contact your attorney.
REMEMBER: You do not have to discuss the matter with a creditor who might contact you even after they were listed. Maybe they just don’t know about it yet. It is best to simply tell them you are in Chapter 7 or 13, give them your case number and attorney’s name. Then politely tell them not to call you again. If they persist, tell them they are in violation of a court order and you want them to stop. Be sure to keep a record and forward it to your attorney.
John Rogers, Kentucky Bankruptcy Attorney