When Creditors Come Calling after Your Bankruptcy Discharge

Filing for bankruptcy is not a decision most people make lightly. When your financial situation is so perilous that you cannot see a way forward, bankruptcy offers the opportunity to discharge the debt in an organized fashion. 

Unfortunately, some of your creditors may not be content to let you off the hook. What can you do if creditors continue to call despite a successful bankruptcy discharge order? 

Know Your Rights

First and foremost, it’s important to understand what debt has been discharged, as you may still owe some creditors. Debt related to credit cards, medical bills, rent and utility bills, and other unsecured loans can be discharged with a bankruptcy filing, but other types of debt, like federally backed student loans, may not be. 

You need to be very clear about which of your debts have been dissolved and which ones you are still liable for. If creditors come to collect on a discharged debt, you should know that they are legally forbidden to do so. You can tell them to stop or even take legal action against them if they persist. 

Know What to Say

Even if you know you’re in the right when it comes to attempted debt collection following a bankruptcy discharge, aggressive collection tactics can still be intimidating. If you need help fighting creditors after a bankruptcy discharge, the qualified and compassionate attorneys at Shrader Law, PLLC can help. Contact us today to schedule a consultation to find out what we can do for you.