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

Yes, debt collectors may contact you even if you have filed for bankruptcy in Tennessee. However, they must abide by both state and federal laws, both of which prohibit unfair and deceptive practices. If you have filed for bankruptcy, the debt collector must first obtain permission from the bankruptcy court before they can attempt to collect the debt. Additionally, the debt collector must disclose that you have filed for bankruptcy and that they will not try to collect the debt. They may also not threaten you with any legal action or use any profane language in the course of their communications with you. Nevertheless, the debt collector may still seek to legally recover any money owed for pre-bankruptcy debt. Generally, they should not contact you directly, and instead must contact your attorney or the trustee who is responsible for your bankruptcy case. In Tennessee, debt collectors may also contact your references to try to obtain an address or phone number where you can be reached. However, they may not harass your references or use any deceptive or intimidating means to get information. If you feel that a debt collector is not abiding by the law, you can report them to the Tennessee Department of Commerce and Insurance and take legal action. Filing a complaint with the department can help ensure that your rights as a consumer are respected.

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

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