If I submit a bankruptcy application can creditors still call me?

Terri (Guest) on Saturday, September 15 2012, 07:50 PM
I lost my job and have had difficulty paying my bills. I am way over my head in credit card debt and have received a notice of foreclosure on my home in the Boston North Shore area. Creditors are constantly harassing me. I have heard that once I submit a bankruptcy application, the creditors can’t call me anymore. Is that true?
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    Replied by Attorney Marco Schiavo on Saturday, September 15 2012, 07:52 PM · Hide · #1
    Filing a bankruptcy petition “automatically stays” (stops) most collection actions against the debtor or the debtor’s property. The stay arises by operation of law. As long as the stay is in effect, creditors generally may not initiate or continue lawsuits, wage garnishments, or even telephone calls demanding payments, without the approval of the bankruptcy court. There are some exceptions to this rule, such as criminal proceedings, collection of certain alimony and child support obligations and governmental actions to protect the public. In addition, the automatic stay is temporary and will end as to the debtor when discharge is granted (at which time the discharge protects the debtor) or denied, when the case is dismissed or closed, or if the Bankruptcy Court grants a creditor or other party relief from the automatic stay.
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