Q: If I file bankruptcy pro se, can creditors still contact me about debts? If so, what can they inquire about?
A:
Once you file bankruptcy and you have served notice of the bankruptcy on your creditors, they should not contact you outside of the bankruptcy proceedings to collect the debt. The bankruptcy creates an "automatic stay" that should protect you from collection activity. Continued collection communications may be a violation of the automatic stay and other state and federal laws.
While filing bankruptcy without an attorney may the best option for you, I recommend speaking to a Louisiana consumer attorney if you continue to receive collection communications so you can fully understand your rights. Also, you may want to speak to an attorney to decide if bankruptcy is right for you, as you may have other options. Many consumer attorneys offer free consultations.
**Please note that the above is general information and not subject to an attorney-client relationship.
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