Once a person has filed for bankruptcy a kind of protective barrier goes up around a debtor. This “barrier” keeps the debtor safe and cut off from direct contact with creditors who are attempting to collect on debt incurred by the filer. The bankruptcy “barrier” consists of many different layers: your bankruptcy attorney, the bankruptcy court, your creditor’s attorneys, and what is also known as the automatic stay. All of these are put in place to further protect you from collections action, garnishments, foreclosures, and also immediately ceases any creditor calls, letters, or e-mails.
Taking the creditor heat off of you is one of the most important parts of filing for bankruptcy. To do this it is important that your attorney is aware of all of your creditors. To receive bankruptcy protection from them, your creditors must be notified properly of your bankruptcy filing and be given the opportunity to file claims and receive court notices.
The easiest way to ensure the proper creditors are listed on your bankruptcy petition is to provide your attorney or their legal assistant with creditor statements. Bills, collections notices, past-due notices, summons’, or any similar paperwork. These documents will have everything your bankruptcy team needs to make sure that the proper creditors are notified of your bankruptcy filing: creditor names, relevant account numbers, amounts owed, phone & fax numbers for best contacts, as well as the creditor’s address. This way there can be no mix-up or creditors slipping through the cracks.
If you don’t have these types of paper notices, our legal assistants are trained to do magic with the name of a creditor and a phone number but the more information you provide us, the better!
It all boils down to making sure that we get your creditors to stop hounding you ASAP and get you going on your fresh start!
Conclusion
Request an initial consultation with Kain & Scott today to get your life back and free yourself of overwhelming debt and creditor harassment. Visit www.kainscott.com to start the bankruptcy process today!
