{"id":662,"date":"2017-03-06T13:26:12","date_gmt":"2017-03-06T19:26:12","guid":{"rendered":"http:\/\/www.mankatobankruptcy.com\/blog\/?p=662"},"modified":"2017-03-06T13:27:08","modified_gmt":"2017-03-06T19:27:08","slug":"debt-settlement-windom-mn","status":"publish","type":"post","link":"https:\/\/www.mankatobankruptcy.com\/blog\/debt-settlement-windom-mn\/","title":{"rendered":"What to Do When Creditors Harass You After Your Chapter 7 Debt Settlement in Windom, MN"},"content":{"rendered":"

Those who have accumulated debts they can\u2019t handle alone often find rescue in filing for bankruptcy. Today\u2019s U.S. Bankruptcy Code is designed to protect individuals and businesses from falling into even more critical financial situations. The idea of being bankrupt can leave a bad taste in one\u2019s mouth and, while one might not enjoy having to go through bankruptcy process, there are many benefits. Filing for Chapter 7 bankruptcy alleviates debt and opens the door to a fresh start financially. Behm Law Group, Ltd. can help you through the process of filing for bankruptcy and completing your debt settlement in Windom, MN.<\/p>\n

Chapter 7 bankruptcy<\/a> is designed to discharge the majority of your debts and allow you to retain your assets. With this form of bankruptcy, you will have a clear beginning, middle, and end of the process.<\/p>\n

Do debts still matter?<\/strong><\/p>\n

When you file for Chapter 7 bankruptcy, your debts are addressed, and when the process is over, your debts won\u2019t come back into your life. They are permanently discharged.\u00a0 The only lingering effect of Chapter 7 bankruptcy is that your case will stay on your public credit profile for 3 to 6 years. After filing for Chapter 7, the debts that were discharged are gone forever. \u00a0You will not have to handle other financial consequences from the debts discharged in your case.\u00a0 Paradoxically, you will be more of an attractive credit risk for creditors than you were before your case was filed.\u00a0 This is because future creditors know that the creditors discharged in your bankruptcy are gone for good and that they will now be able to be first in line for payment from you going forward and will not have to be in competition with your previous creditors.<\/p>\n

In short, the debts addressed in a Chapter 7 case don\u2019t matter anymore. You don\u2019t continue making payments, and you won\u2019t be in contact with your creditors again.<\/p>\n

Why are my creditors still harassing me?<\/strong><\/p>\n

But if your debts don\u2019t matter after you file for Chapter 7 bankruptcy, why are your creditors still in contact with you, and in many cases, still harassing you? There are several reasons why this might be happening. Most of the time, your creditors<\/a> haven\u2019t heard that you\u2019ve entered into the bankruptcy process yet. Even if your case is not completed, your creditors are legally obligated to stall collections. However, it can take up to two weeks for your creditors to be notified that you\u2019ve entered into the process. If it\u2019s been over two weeks and your creditors are still harassing you, they may be trying to get away with illegal collections. Creditors may try to take advantage of your lack of knowledge about the nuances of bankruptcy by telling you that you filed for the wrong kind of bankruptcy, that your debts aren\u2019t covered by your case, or that you still have to pay interest on a settled debt. Behm Law Group attorneys protect our clients from this fraudulent behavior as we work with you through the bankruptcy process.<\/p>\n

If you\u2019re considering filing for Chapter 7 bankruptcy and you\u2019re concerned about your debt settlement in Windom, MN, contact Behm Law Group, Ltd. at (507) 387-7200 today for a consultation.<\/p>\n","protected":false},"excerpt":{"rendered":"

Those who have accumulated debts they can\u2019t handle alone often find rescue in filing for bankruptcy. Today\u2019s U.S. Bankruptcy Code is designed to protect individuals and businesses from falling into even more critical financial situations. The idea of being bankrupt can leave a bad taste in one\u2019s mouth and, while one might not enjoy having […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[31,29],"tags":[],"aioseo_notices":[],"yoast_head":"\nWhat to do When Creditors Harass You After Debt Settlement<\/title>\n<meta name=\"description\" content=\"You're done with your Chapter 7 bankruptcy process but even after debt settlement the creditors are still calling you. 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