Written by attorney Kevin C. Johnson

How Will My Creditors Know I Filed For Bankruptcy?

Bankruptcy is said to stop the harassing creditor calls. But most people do not how the creditors know you have filed bankruptcy. In your petition is a form called the "Creditor Matrix", which is simply a list of your creditors and their addresses. Once your petition is filed, the U.S. bankruptcy Court will issue a "Notice of Chapter 7 Bankruptcy Case" if you are in a Chapter 7 or a "Notice of Chapter 13 bankruptcy Case" if you are in a Chapter 13. This notice will be mailed to each creditor at their address listed on your Creditor Matrix. Needless to say, it is very important that your attorney has the correct address of each of your creditors and their collection agency.

Keep in mind that because these notices are mailed vis USPS, that it might take a couple of weeks for your creditors to receive this notice, so you may get some phone calls after filing. If you get a creditor call after filing, you simply give them your bankruptcy case number, attorney's name, and your attorney's phone number. Tell them nothing else. You have given them notice of your bankruptcy and your case number. Also, keep a log of all the calls you get after you filed your case, and if a creditor calls you again after you gave them your case number, let your attorney know immediately.

Once your case is filed, you do not necessarily have to notify each and every creditor yourself. If you continue to get the same creditor calls after filing, let your Detroit Bankruptcy Lawyer know immediately, and we will handle the creditor for you.


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