Debts incurred after filing will not be discharged in your bankruptcy. Additionally, if you owe money on a secured debt, such as a car loan, but don’t make payments as agreed after the bankruptcy, then that creditor does have a right to contact you. However, sometimes creditors and debt collectors will try to collect on a debt even after it has been legally discharged in a bankruptcy. This collection activity is in violation of the Bankruptcy Code.
Call or write to the creditor and supply them with your filing number and the date that you filed. If they still try to collect, or otherwise threaten or harass you, let us know. We file law suits against creditors who break the law and continue to try to collect debts that have been legally discharged.