How do I stop creditors from harassing me after filing for Chapter 7 Bankruptcy?

Filing for Chapter 7 Bankruptcy in Iowa can provide relief from creditors who are harassing you for repayment of debts. Once you file for Chapter 7 Bankruptcy, the court will issue an official order of bankruptcy that will be served to all creditors. This order is also known as a “automatic stay” and it acts as a legal order that orders creditors to immediately stop all collection activity against you, including harassing phone calls and letters. If a creditor continues to contact you after you have filed for bankruptcy, you can contact the court or your attorney and issue a formal complaint. You can also contact the creditor directly and inform them that you have filed for bankruptcy and that they must stop all contact with you. It is important to remember that filing for bankruptcy does not erase debts; it merely provides you with a way to manage them by restructuring or discharging them. You will still need to make payments on some of your debts, such as student loans or taxes. Your bankruptcy attorney can help you understand how to manage these payments and what your rights and obligations are. Finally, it is important to keep good records of all your transactions during this process. This includes records of any contact with creditors after you have filed for bankruptcy. Keeping accurate records will help you protect yourself in the event that a creditor continues to harass you.

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How do I stop creditors from harassing me after filing for Chapter 7 Bankruptcy?

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