I filed chapter 7
Thank you for your responseIt appears that the company is acting in an unlawful manner by contacting you and attempting to collect the debt while you are in bankruptcy. You may consider asking the court for damages.The automatic stay of the bankruptcy court prohibits any action against the debtor outside of the bankruptcy court. Once a bankruptcy has been filed all collection action must cease - Including threats to repossess the vehicle.Once a bankruptcy is filed, the automatic stay of the bankruptcy court is in effect Bankruptcy Code regarding the automatic stay. 362 (4)k provides for actual and punitive damages for the willful disregard of the automatic stay.I would be glad to continue our conversation and respond to any follow-up questions that you may have.
I contaced them since Im trying to reaffim the debt. I just wanted to know what was the legal implications to setting up payments now that ive filed. But I did iniate the contact.
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