They will go about trying collections in many different ways usually beginning with phone calls and mail and then some will actually start court proceedings. It is the pressure from all of this that leads an individual to seek out a qualified bankruptcy attorney to advise them as to whether bankruptcy is their best option and what their rights are.
What will happen is that an automatic stay will be put into place as soon as the bankruptcy has been filed. This is going to give you as the debtor a period of relief knowing that your creditors can no longer hound you or take action against you. During this period of time it allows you to really focus on what is required for your bankruptcy as you will need many different documents. It will also give you a chance to plan for your future to ensure that your financial situation doesn’t become precarious once again.
The bankruptcy courts will notify those creditors that are on your bankruptcy list that you have filed for bankruptcy and they will then have to comply with the law of no contact. Should you still receive calls from your creditors that have been notified, you can advise your attorney of this. If the creditors have not been notified then you can certainly tell them and give them your bankruptcy file number which should suffice for their ceasing in their collection actions.
