Can a debt collector contact me if I’ve filed for bankruptcy?

Yes, a debt collector can contact you if you have filed for bankruptcy in North Carolina. According to North Carolina law, debt collectors are allowed to contact you regarding any debts that you owe or to investigate whether any of your assets have been transferred to avoid payment or to notify you of the potential consequences of not paying the debt. However, the debt collector may not harass, oppress, or abuse you in any way, including using profane or obscene language or making threats about filing criminal charges against you. Additionally, debt collectors must follow any rules set forth by bankruptcy courts. Under the federal Fair Debt Collection Practices Act, debt collectors may not contact you by telephone or mail more than once a week, or harass you in any way. They also may not make false statements in an effort to collect a debt, such as threatening to take action that they are legally prohibited from taking. If the debt collector does take any of these actions, you should contact a lawyer for help to stop the harassment. It is important to remember that debt collectors are not allowed to contact you after you have filed for bankruptcy, unless it is to inform you of the consequences of not paying the debt or to investigate whether you have transferred assets to avoid payment.

Related FAQs

When does the Fair Debt Collection Practices Act apply?
What happens if I dispute a debt with the credit bureau?
Can a debt collector obtain information about my employment?
Can a debt collector ever report negative information to credit bureaus?
What is the Fair Debt Collection Practices Act enforcement process?
Can a debt collector ever garnish my wages?
Is it illegal for a debt collector to harass me?
Can I stop a debt collector from calling me on my cell phone?
Can a debt collector attempt to collect a debt that’s past the statute of limitations?
Is there any way to stop a debt collector from contacting me?

Can a debt collector contact me if I’ve filed for bankruptcy?

Related FAQs

Related Blog Posts