Creditor Harassment Protections after Bankruptcy
You have protection from creditors once you have filed for bankruptcy. You will receive a discharge from many if not all of your debts that you had prior to filing bankruptcy in Phoenix. Bankruptcy should stop all of the creditor harassment that you were getting prior to hiring our Phoenix bankruptcy lawyer.
What does this mean? It means that legally, you no longer owe nor do you have to repay those debts. However, some creditors may still try to contact you and attempt to collect on these discharged debts. Creditors are sneaky and shady a lot of the times. They will attempt to persuade you to repay these debts that you don’t owe. However, this collection practice by your creditor is illegal and is punishable by law.
Therefore, if a creditor violates your bankruptcy discharge order, you have many of the same rights as you do for creditors who violate the automatic stay. This means that you may recover any actual losses you incurred because of the violation plus attorneys’ fees. Additionally, the creditor who harassed you may face contempt of court sanctions. Plus, if egregious enough of a violation, the creditor may also face fines and court costs.