Creditors are calling my employer or workplace. Can bankruptcy help?
YES. The Bankruptcy Code requires all creditors to stop all collection activity, which includes calling you or your employer, as soon as you file bankruptcy. Even before you file, once you have retained an attorney, the Fair Debt Collection Practices Act requires debt collectors to conduct their business with you through your attorney, rather than contacting you or your employer. We recommend that you not tell your secured creditors (those who can take collateral if you don’t pay them) that you are going to file bankruptcy, unless you plan to surrender that collateral to that lender.
