Are you tired of receiving phone calls from creditors?   Luckily, there is a way out.  You can stop all creditor phone calls by filing either Chapter 13 or Chapter 7 bankruptcy in Las Vegas, Nevada.  When you file bankruptcy a protective umbrella called the automatic stay is triggered, which protects the debtor against the continuance of any action by any creditor against you or your property.  With the protection of the automatic stay, creditors must stop all collection efforts against you.  Harassing phone calls are included in this category.  Any creditor that ignores the automatic stay subjects themselves to possible sanctions by the bankruptcy court. 

I have a client from Las Vegas, Nevada and he told me that a creditor, which was a collection agency, kept calling him at work.  My client responded by telling the creditor to stop calling at work or he will get fired.  The creditor continued to call him at work, and he finally came to see me to discuss bankruptcy.  I told him Chapter 13 and Chapter 7 bankruptcy stops these types of calls.

If a creditor calls one of my client after he filed bankruptcy I always recommend that the debtor give the creditor his case number, the date the case was filed and let the creditor know you have a Las Vegas Bankruptcy Attorney and provide my name.  If this creditor calls again the debtor should ask the creditor for permission to record the conversation so that your Las Vegas Bankruptcy Attorney can use the recording against the creditor when he seeks damages in court for violating the automatic stay that went into effect as soon as your case was filed.

Randy M. Creighton, Esq. Las Vegas Bankruptcy Attorney

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