Can I file for bankruptcy to stop creditor harassment?

Yes, you can file for bankruptcy in Washington to stop creditor harassment. Under the law, creditors are not allowed to contact debtors in an abusive or harassing manner. If a debtor has filed for bankruptcy, any creditor contact must be made through the bankruptcy court and must abide by the regulations of the court. For example, creditors may not call debtors at home or at work, send threatening letters, or attempt to collect a debt that has been discharged in bankruptcy. When a debtor files for bankruptcy, a legal document called an automatic stay is issued by the court. This document orders creditors to immediately stop attempts to collect a debt from the debtor. Creditors must stop calling or sending letters to the debtor and may no longer pursue legal action against the debtor. Any violation of the automatic stay is considered a violation of the law and may result in significant legal penalties. In addition to stopping creditor harassment, filing for bankruptcy can help eliminate a debtor’s debts. The bankruptcy process can help debtors lower their debts, establish a payment plan, or even receive a total discharge of some or all of their debts. Filing for bankruptcy can be an effective way to stop creditor harassment and get back on your feet financially.

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Can I file for bankruptcy to stop creditor harassment?

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