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

If you file for bankruptcy in Washington, a debt collector is prohibited from attempting to collect a debt from you. This includes calling you or sending you letters or emails, as well as pursuing legal action. If the debt collector does continue to contact you after you have filed for bankruptcy, you can file a complaint with the Washington Attorney General’s Office. However, filing for bankruptcy does not erase the debt. The debt collector can still take action if a court order has been issued. The debt collector can also still attempt to recover funds from other sources, such as a spouse’s income or bank account. In general, bankruptcy can give you a “fresh start” and help you get out from under overwhelming debt. As long as a court order has not been issued, a debt collector cannot take any action against you. If they do, it is a violation of Washington’s Collection Defense Law and you may be able to take legal action.

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

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