What are the repercussions that a business will face if they keep contacting you after you told them that you filed bankruptcy?

One of the primary protections provided by the U.S. Bankruptcy Code is the automatic stay which prohibits all collection efforts once the Bankruptcy case has been filed. However, before a Court will ever consider imposing any sanctions upon a Creditor for violating the automatic stay provision, is that the Creditor must have notice or actual knowledge of the Bankruptcy case. Most Courts want to have strong evidence that the Creditor has been provided with the Debtor's Name, Case number, filing date, and Chapter filed. If you have provided this information to the Creditor, I would strongly suggest that you make a written note of the date, time, and the identity of the person for the Creditor that you were talking to when you provided them the information. If you have that evidence, then you should provide it to the Attorney you hired to assist you in the pending Bankruptcy. If you don't have an Attorney (shame on you), now is the time for you to contact one; you simply are not adequately capable of handling this without an Attorney. There is a saying in the law that "An Attorney who represents himself, has a fool for a client". You can imagine how foolish you are going to look if you try to handle this significant matter on you own. If you decide to bring this matter before the Court, you will have to testify about giving the information to the Creditor, so you can imagine how difficult that will be if you don't have a qualified Attorney to talk you through the process. If the Creditor has received notice of the Bankruptcy through the Court (ie; they were listed in your Bankruptcy Statements and Schedules), the issue of Notice is made easier. Under that case, it can be argued that the violation of the Bankruptcy Rules is now basically the Creditor slapping the Judge in the face because they received notice and essentially decided that they don't care about it. All of this having been said, you need to be aware that Judges impose sanctions for egregious cases of violations, not just the run of the mill inadvertent contact after a Bankruptcy was filed. Once again, talk to your Attorney about whether or not your specific facts are sufficient to even present to the Judge. Best of Luck to you.