How do I stop creditor harassment when filing for Chapter 7 Bankruptcy?

Filing for Chapter 7 Bankruptcy in Virginia can be an effective way to stop creditor harassment. As soon as you file for bankruptcy, an automatic stay goes into effect. This stay prohibits creditors from any further contact with you. The creditors must stop calling, sending letters or taking any other action to collect on the debt. The first step to stop creditor harassment is to file your bankruptcy petition with the US Bankruptcy Court in your district. This petition will put the automatic stay into effect and inform creditors that you have filed for bankruptcy. You should be sure to keep a copy of the petition as proof that you have filed. Once the petition is filed, you must provide the court and your creditors with your notification of the bankruptcy filing. This document will inform your creditors that you have filed for bankruptcy and that they are no longer able to contact you. Make sure to keep a copy of this document as well. You must also include in your bankruptcy petition a list of all of your creditors and their contact information. This will be used to send notice to the creditors that you have filed for bankruptcy. Once the automatic stay is in effect, your creditors are prohibited from contacting you in any way. If creditors do reach out to you, you can inform them that you have filed for bankruptcy and refer them to your bankruptcy attorney. A bankruptcy attorney can help you take further legal action if the creditor continues to harass you.

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