If you are constantly receiving harassing phones and letters from your creditors (credit cards, medical bills, bank loans, payday loans, etc.), both Chapter 7 and Chapter 13 Bankruptcies will put an immediate end to this. Once we file your case, it is illegal for creditors to call, write or otherwise attempt to collect its debt from you. All future creditor contact must be addressed to us. While it is rare for a creditor not to comply with the law, if for whatever reason they fail to do so, we will immediately bring them before the Bankruptcy Judge and demand that they be fined for failing to comply with the law.