What can a debt collector do if I file for bankruptcy?

In New York, if you file for bankruptcy, debt collectors are prohibited from taking any action against you to collect the debt. This includes things like calling you, sending letters, or filing a lawsuit against you. However, debt collectors are still allowed to contact you to let you know that they are aware of your bankruptcy filing. In most cases, they will also be able to ask for any additional information they need to properly assess your bankruptcy situation. Upon filing for bankruptcy, all collections activity must stop and all debts must be discharged. This means that the debt collector is no longer able to seek any form of payment from you, or any other means of collecting the debt. Also, after you file for bankruptcy, the debt collector has to update their records to reflect your new status. This means that if you receive any collection calls or letters in the future, you can provide proof of your bankruptcy filing and ask that they update their records. Although debt collectors cannot pursue any form of payment after you file for bankruptcy in New York, it is still important to keep track of your debts during this time. You may still be held responsible for any future payments that you may make on the debt, so it is important to document any correspondence you receive from the debt collector.

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What can a debt collector do if I file for bankruptcy?

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