What should I do if a creditor tries to collect a debt during my bankruptcy?

Successful debtor 1
Successful debtor 2
Successful debtor 3
Successful debtor 4
Successful debtor 5
1,823 families filed bankruptcy using Upsolve.

A nonprofit that helps you file bankruptcy for free.
  • We've helped over 1,000 families each clear on average $51,959 of debt.
  • Our users often file within 10 days of starting.
  • Our award winning nonprofit's help is 100% free.

Filing bankruptcy means that you shouldn't have to deal with creditors or debt collectors for a while.

With a few exceptions (ie. - criminal cases, some child support actions, and certain eviction cases), debt collectors are not allowed to contact you or attempt to collect on your debts once you file for bankruptcy. This is because of the "automatic stay" that the court puts in place as soon as you file. Creditors may petition the judge to let them collect before the case is concluded, but unless a judge grants their requests, most attempts to collect after you have filed are illegal. 

If a creditor or debt collector who does not qualify for one of the exemptions above contacts you:

  1. Tell them about your bankruptcy and politely ask them not to contact you again. They may ask you to provide proof of filing -- you can do so by sending any such proof that you have.

  2. If the creditor continues to contact you, tell the bankruptcy court.

  3. If the creditor still continues to contact you, file a lawsuit.

Kisha smilingAnne smilingPatricia smiling

Hundreds got a fresh start! So can you!

I prefer one-on-one assistance

Questions about bankruptcy?

Research and understand your options with our articles and guides.

Go to Learning Center →

Questions about Upsolve?

Read Support Articles →

Upsolve is a 501(c)(3) legal aid nonprofit that started in 2016. Our mission is to help low-income Americans in financial distress get a fresh start through Chapter 7 bankruptcy at no cost. We do this by combining the power of technology with attorneys. Spun out of Harvard Law School, our team includes lawyers, engineers, and judges. We have mission-driven funders that include the U.S. government, former Google CEO Eric Schmidt, and private charities.

To learn more, read our reviews from past clients, or read our press coverage.

Close

Considering Bankruptcy?

Upsolve helps low-income Americans file bankruptcy on their own for free. Are you interested in our free service or would you like a free consultation with a paid attorney?

Need bankruptcy help?