BANKRUPTCe.COM - Debt Solutions

Pay Off	From Only
$15,000.00	$55/Month
$20,000.00	$75/Month
$30,000.00	$105/Month
$50,000.00	$185/Month

*Above examples represent minimum payment available for typical CH 13 plan filed in Middle District of Florida. Results may vary depending on your individual circumstances.

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What can I do if a creditor keeps trying to collect money after I have filed bankruptcy?

You should immediately notify the creditor in writing that you have filed bankruptcy, and provide them with the case name, case number, and filing date, or a copy of the petition that shows it was filed. If a creditor continues to attempt to collect, the Debtor may be entitled to take legal action against the creditor to obtain a specific order from the court prohibiting the creditor from taking further collection action. However, a formal motion must be filed, in accordance with the Bankruptcy Code and applicable Rules. If the creditor is willfully violating the automatic stay, the Court can hold the creditor in contempt of court and fine the creditor. Any such legal action brought against the creditor will be complex and will normally dictate representation by a qualified bankruptcy attorney.

Chapter 7 is the most common form of bankruptcy, and is usually used to discharge, or ‘wipe out’, your unsecured debt such as credit cards; medical bills; most personal loans; judgments; deficiencies on repossessed property, etc.

Chapter 13 is usually used if you are seeking to protect property such as a home, boat or automobile from collections and repossession. Chapter 13 requires you to have some regular source of income, and affords you an opportunity to repay any delinquent debt amounts over a 3 to 5 year period, while you are entitled to keep possession of the property you are seeking to protect.