Legal Question in Bankruptcy in California

I am in the process of starting the chapter 7 bankruptcy process on my own and keep getting letters from lawyers trying to collect for the credit card companies stating I have 30 days to contact them or they will initiate legal proceedings. Should I inform them that I am claiming bankruptcy and that debt will be discharged or not respond?


Asked on 7/18/10, 1:02 pm

2 Answers from Attorneys
Norma Duenas Southern California Law Advocates

You can inform them that you are planning to file for bankruptcy. Once you file your bankruptcy case the court will also send them out notices. They will be notified that they are creditors listed in your bankruptcy case. Once your bankruptcy case is filed then they should not be contacting you about the debt. An automatic stay goes into place once a bankruptcy case is filed that prevents any form of collection action.

http://hubpages.com/hub/How-to-Stop-Creditor-Calls

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Answered on 7/18/10, 4:10 pm
Robert F. Cohen Law Office of Robert F. Cohen

There's no need to notify the creditors. Besides, they've heard people threaten BK and not follow through. Why waste your time and aggravate yourself. Once you file the BK in the near future, they'll receive their notice.

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Answered on 7/18/10, 5:21 pm


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