Will filing for bankruptcy stop bill collectors from calling me?

NJ Bankruptcy Law FAQ

Q) Will filing for bankruptcy stop bill collectors from calling me?

A) Yes. The automatic stay put in place by the Bankruptcy Court prevents any bill collectors from taking any action to collect on the debt that is owed to them. Once a bill collector or creditor is made aware of your filing for bankruptcy, they must immediately stop all collection efforts. After you file a bankruptcy petition, the court mails a letter to all creditors listed in your bankruptcy schedules. This usually takes a couple of weeks’ time. Creditors will also stop calling if you advise them that you filed for bankruptcy and provide them with your bankruptcy claim number. If a creditor continues to use collection efforts once advised of the bankruptcy filing they may be liable for a court sanction and attorney’s fees for this conduct.

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