Legal Question in Bankruptcy in California
Doing bankruptcy myself, creditors keep calling
Hello,
My sister is doing my paperwork for me. She was suppose to have it done by the end of April, however, she is having some personal problems and cannot get the paperwork done until mid-May. I stopped paying on my accounts in April. One of my accounts is a debt loan through a bank. Everyday I have 2 people (from the bank) call my work leaving me numerous voice mails. I don't know what to tell them. I haven't filed my papers so I cannot give them a case number. I haven't returned their calls as I am afraid to speak with them. What should I do? What should I tell them?
4 Answers from Attorneys
Re: Doing bankruptcy myself, creditors keep calling
You will have to get the paperwork done by another. There are plenty of services that do this. Check the yellow pages.
Re: Doing bankruptcy myself, creditors keep calling
You can tell them that you will be filing a bankruptcy, but they are not prevented from pursuing you until there is actually a case that is filed. Alternatively, you can ignore the calls until a case is filed.
Re: Doing bankruptcy myself, creditors keep calling
I agree with the previous response. You should at least try telling them you're filing bankruptcy, as this is often enough to stop the calls for a short time.
Re: Doing bankruptcy myself, creditors keep calling
So long as your creditors are not violating anything under the Fair Debt and Collection Practices Act, your creditors are within their rights to continue their collection practices.
As suggested, you can either ignore the calls (which should not be too hard to do) or just let them know that you are in the process of filing.
This is general information that I hope has been helpful to you. However, you should always obtain legal counsel familiar with your specific circumstances. We may be able to assist you with your legal issues. If we can assist you in the future, please contact us at www.unalaw.com and somebody will assist you as soon as possible.