I have not filed as of yet but waiting patiently (paid fees in full) and I have not given my attorneys number to any creditors but was wondering if anyone has had experience doing this, and did it help?
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Once we had paid the retainer fee late last Sept., I was able to give our creditors his name, address & Phone number. We thought we would be filing in 1/09; however, we were over our State Median. It held the creditors off until late March and they began calling again.
Now, I think all CC have been turned over to Collection Agencies. Our BK Attorney told us not to answer the phone as the CC's had his name & phone number. I did answer one as it said cell phone and it was a lady from NCO. Let's just say she threatened me with all she had. Told me I would lose my house, yada, yada. What's so funny is this specific credit card is in my name only and my income is Social Security Disability which cannot be 'touched' by Creditors.
So, I would say once you give your Attorney's name, address (most won't take it) and phone #, ask you Attorney if you can stop taking the phone calls. Some collectors are just down right Mean!
Luci
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You should definitely give your attorney's name to your creditors. It cuts down on all those nasty collections calls.4/09 Converted to a Ch 7 due to loss in dh's income
5/09 UST now involved no idea what happens next
7/09 UST has decided to withdraw his motion to dismiss!
7/27/09 DISCHARGED!!!
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I asked my attorney when I could start giving out his name and he advised me anytime after I paid the retainer (which in my case was simply the filing fee and a fee for my credit report). After that, every time the phone would ring I would answer it, advise the company I was filing bankruptcy, they would always ask for the atty's name, number, what chapter and if I had the case number. I gave them all the info except for the case number (the atty hadn't filed yet) so I told them I didn't have it but my atty should Once they knew I was filing, they were extremely pleasant (no sense wasting their time with me if they are working on commission).Filed 5/12/09
341 6/11/09
discharged 8/11/09
Closed 8/14/09
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The moment I am retained, I advise all of my clients to tell the creditors / collectors that they are filing bk and to give them my number. I give them several business cards and tell them to put one by every phone in the house. Since they haven't actually filed bk yet, the Automatic Stay does not prohibit collection efforts. However, the creditors usually do stop calling after they verify with me that we have been retained.Pay no attention to anything I post. I graduated last in my class from a fly-by-night law school that no longer exists; I never studied or went to class; and I only post on internet forums when I'm too drunk to crawl away from the computer.
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As all the others stated above, once you retain your attorney, that is when your attorney will hand you his/her card and advise you to give that information to calling creditors. What we did was start to answer the phone after that, provide the information to whoever called and kept a list by the phone of who called and when. If they called twice, we told them so and so called on xxxx date and the information provided to them also and to please check their records. Calls died down quickly after a few days. However, if it takes a while to file after that, calls can and will start again as what they want is the case number. Once they get that, calls stop very quickly._________________________________________
Filed 5 Year Chapter 13: April 2002
Early Buy-Out: April 2006
Discharge: August 2006
"A credit card is a snake in your pocket"
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Yes, it made a huge difference. I paid retainer in May, told all creditors in early June, and I haven't had one call since. Of course I'm not quite done paying the attorney, and I'm sure the calls will start back up eventually, but I'm hoping to file in November at the latest so I'll just pray that they won't get too bad again. From what I understand they won't really hassle you once they know you're heading down the BK road for certain (once they've verified this with your attorney). Good luck!
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With the 1st attorney I retained, I was able to give out his number to my creditors. They didn't hound me and I didn't file for a least another year. So, yes, give the number.May 2008 Hired 1st Attorney/Stopped paying CCs
May 21, 2009 Retained 2nd Attorney
May 28th - Filed for Ch 7 (FINALLY!)
9/11/09 - DISCHARGED!!!!
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