Who deals with the creditors and bill collectors during the bankruptcy?
Your attorney. With the exception of a few types of debts, once you file your case, an automatic stay protects you. This stay constitutes a temporary statutory injunction prohibiting creditors from taking any action designed to collect a debt, including the filing of a lawsuit. In other words, a creditor or bill collector is prevented from attempting any further collection activity. If a creditor or bill collector attempts collection efforts after you file your case, contact your attorney.