{"id":15869,"date":"2010-07-16T08:00:03","date_gmt":"2010-07-16T12:00:03","guid":{"rendered":"\/\/www.askmrcreditcard.com\/news\/?p=15869"},"modified":"2010-07-16T08:00:03","modified_gmt":"2010-07-16T12:00:03","slug":"what-to-do-if-a-creditor-contacts-you-after-bankruptcy","status":"publish","type":"post","link":"https:\/\/www.askmrcreditcard.com\/news\/what-to-do-if-a-creditor-contacts-you-after-bankruptcy\/","title":{"rendered":"What to do if a Creditor Contacts You After Bankruptcy"},"content":{"rendered":"<blockquote><p>I have a question I filed for bankruptcy in 1989, it\u2019s been twenty-one years since this unfortunate incident. I have since built my credit score up to a 798 which I am veryy proud of. By primary question is this today I received a letter in the mail from a creditor that was listed in my original bankruptcy stating that I know this money from 1989. What can I do and what are the laws that will protect me against us.<br \/>\nKim Anderson<\/p><\/blockquote>\n<p><strong>ANSWER:<\/strong><\/p>\n<p>Kim,<\/p>\n<p>When you file bankruptcy, you are granted an automatic stay which means that creditors are not allowed to collect the debt or contact the debtor.<\/p>\n<p>If you have included a creditor in your bankruptcy, it is illegal for the creditor to try to collect the debt. Usually if you let them know the debt was included in your bankruptcy they will not contact you again. You may need to provide your bankruptcy court file number or mail a copy of your bankruptcy discharge.<\/p>\n<p>Although illegal, creditors do occasionally contact debtors for payment. This usually occurs because the debt has been sold and resold numerous times and notification of the bankruptcy was mailed to the original creditor. It doesn\u2019t matter though, if a debt is included in bankruptcy, whether it is owned by a different creditor or collection agency, the debt is still the same debt and you are not obligated to pay it.<\/p>\n<p>If you are continuously contacted by the creditor it is a good idea to contact your attorney as well as keep a log of the dates and times that you were contacted. There have been lawsuits where debtors were awarded damages from creditors that harassed them during or after bankruptcy.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>I have a question I filed for bankruptcy in 1989, it\u2019s been twenty-one years since this unfortunate incident. I have since built my credit score up to a 798 which I am veryy proud of. By primary question is this today I received a letter in the mail from a creditor that was listed in [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[17],"tags":[123,148],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.10 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What to do if a Creditor Contacts You After Bankruptcy<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.askmrcreditcard.com\/news\/what-to-do-if-a-creditor-contacts-you-after-bankruptcy\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What to do if a Creditor Contacts You After Bankruptcy\" \/>\n<meta property=\"og:description\" content=\"I have a question I filed for bankruptcy in 1989, it\u2019s been twenty-one years since this unfortunate incident. I have since built my credit score up to a 798 which I am veryy proud of. By primary question is this today I received a letter in the mail from a creditor that was listed in [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.askmrcreditcard.com\/news\/what-to-do-if-a-creditor-contacts-you-after-bankruptcy\/\" \/>\n<meta property=\"og:site_name\" content=\"Ask Mr Credit Card Blog\" \/>\n<meta property=\"article:published_time\" content=\"2010-07-16T12:00:03+00:00\" \/>\n<meta name=\"author\" content=\"Christina\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Christina\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.askmrcreditcard.com\/news\/what-to-do-if-a-creditor-contacts-you-after-bankruptcy\/\",\"url\":\"https:\/\/www.askmrcreditcard.com\/news\/what-to-do-if-a-creditor-contacts-you-after-bankruptcy\/\",\"name\":\"What to do if a Creditor Contacts You After Bankruptcy\",\"isPartOf\":{\"@id\":\"https:\/\/www.askmrcreditcard.com\/news\/#website\"},\"datePublished\":\"2010-07-16T12:00:03+00:00\",\"dateModified\":\"2010-07-16T12:00:03+00:00\",\"author\":{\"@id\":\"https:\/\/www.askmrcreditcard.com\/news\/#\/schema\/person\/5ca5f29104921f3a0a9ab7578fb8d9df\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.askmrcreditcard.com\/news\/what-to-do-if-a-creditor-contacts-you-after-bankruptcy\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.askmrcreditcard.com\/news\/what-to-do-if-a-creditor-contacts-you-after-bankruptcy\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.askmrcreditcard.com\/news\/what-to-do-if-a-creditor-contacts-you-after-bankruptcy\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.askmrcreditcard.com\/news\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"What to do if a Creditor Contacts You After Bankruptcy\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.askmrcreditcard.com\/news\/#website\",\"url\":\"https:\/\/www.askmrcreditcard.com\/news\/\",\"name\":\"Ask Mr Credit Card Blog\",\"description\":\"Just another WordPress site\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.askmrcreditcard.com\/news\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.askmrcreditcard.com\/news\/#\/schema\/person\/5ca5f29104921f3a0a9ab7578fb8d9df\",\"name\":\"Christina\",\"url\":\"https:\/\/www.askmrcreditcard.com\/news\/author\/christinam\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What to do if a Creditor Contacts You After Bankruptcy","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.askmrcreditcard.com\/news\/what-to-do-if-a-creditor-contacts-you-after-bankruptcy\/","og_locale":"en_US","og_type":"article","og_title":"What to do if a Creditor Contacts You After Bankruptcy","og_description":"I have a question I filed for bankruptcy in 1989, it\u2019s been twenty-one years since this unfortunate incident. 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