How do I stop creditor harassment when filing for Chapter 7 Bankruptcy?
When filing for Chapter 7 bankruptcy in Washington, you can protect yourself from creditor harassment by: 1. Attending the creditors’ meeting. You will receive a summons from the bankruptcy court to attend a creditors’ meeting. At this meeting, the court will review your debts, assets, and income. Once the court has reviewed your finances, the creditors will be notified and must adhere to the court’s orders. This means that they cannot contact you anymore. 2. Filing a “No Contact” letter. This is a letter that you can send to your creditors informing them that you are filing for bankruptcy and they are to stop any and all contact with you. This will give them the notice they need that they can no longer contact you and must deal with your case through the bankruptcy court. 3. Contacting the FTC. You can contact the Federal Trade Commission if a creditor is engaging in unfair practices when attempting to collect a debt. The FTC will investigate the case and can impose penalties if the creditor is found to be in violation of fair debt collection practices. 4. Contacting an attorney. You can consult with a bankruptcy attorney if you are still having issues with creditors after filing for bankruptcy. The attorney will be able to advise you on the best course of action to take and can contact the creditors on your behalf. Taking these steps can help to protect you from creditor harassment and make sure that your bankruptcy case is handled correctly.
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