Life after bankruptcy can give you greater peace of mind than you've ever hoped for. No more late payments, threats to your property, or harassing creditor calls. You can finally enjoy your free time.
Your creditors are prevented from contacting you because of the automatic stay in your bankruptcy. Bankruptcy is a very powerful federal law and it prevents your creditors from discussing any debt with you that was discharged in the bankruptcy. Creditors are no longer allowed to send threatening letters, harass you by phone, or discuss the debt at all.
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Even when you are done with your bankruptcy case, your creditors are prevented from contacting you about debts that were discharged. To contact you about such debts would be a violation of your discharge order and may even give you a reason to go after that creditor.
What a relief! There are guidelines that third-party creditors are required to follow but it is not uncommon for them to break the rules set forth by the FDCPA. Some of the common yet terrible tactics of bill collectors include abusive language, adding additional, unauthorized charges, bothering you at work even after you've asked them to stop, and harassing your family. It is no wonder that you couldn't wait to be free of your creditors!
However, your creditors can contact you concerning debt that was not part of the bankruptcy. Your discharge order protects the debt you had when filing, but additional debt that you incur afterward is collectable by your creditors.
As you can see, getting into debt after your discharge is dangerous. You will have to go back through the pain of debt—but without the protection of a St. Louis bankruptcy attorney. To stop this from happening, you must be careful with your post-bankruptcy spending. Getting right back into debt after eliminating it through bankruptcy is simply unwise.
Life after bankruptcy can be wonderful—as long as you are cautious about your spending habits and follow the guidelines to make the most of your fresh start. There is no reason to have this issue arise--as long as you are spending responsibly. The ability to prevent it is all up to you. Find a bankruptcy lawyer willing to do everything he or she can to help you, including easing the process itself and your life afterward. There is no reason that you shouldn't be told the best tactics and tips for getting back on your feet after bankruptcy.
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