Ten Steps of Obtaining Bankruptcy Protection
Step 10
Enforcing the "iron shield" and rebuilding your credit
Congratulations! You've earned your discharge - it's finally over! ALMOST.
The two most frequently overlooked post discharge things that happen to a person who has just earned a discharge in bankruptcy are:
- Ignoring continued collection activity and hoping it goes away, and;
- Doing nothing to repair the negative information still hanging out on one's credit bureau report.
If your creditors are still calling you and not listening to you when you tell them not only did you file for bankruptcy but you have earned a discharge of your debt to them, they can be stopped and stopped forcefully.
Let our office know who is calling and about which debt. Keep a log of who calls, when they call and the name of the individual person who is calling. We will send out warning letters and call the collection people as necessary to make them stop. If they persist, the law allows us to "sue" them in bankruptcy and ask the court to enforce the injunction and in some cases, make them pay punitive damages for their behavior.
Just because you filed for bankruptcy and just because you have earned a discharge of your debt does not mean all that negative credit information on your credit bureau report will magically disappear. You have to make that information disappear yourself. Call for a free consultation on how we can help you make that happen for a nominal fee.
