In case you have filed for bankruptcy under any chapter, you are protected by the “automatic stay” provision which stops creditors from forms of collection action, including the continuation of a court case against you. Think of the “automatic stay” as a firewall that is supposed to stop debt collectors from trying to collect debt after you have filed for bankruptcy. This means that you should not be receiving calls from most debt collectors once you have filed for bankruptcy.
In any case, a debt collector may not engage in any conduct which is meant to harass, oppress, or abuse any person in connection with the collection of a debt. So if your debt collector engages in the use or threat of violence, the use of obscene language, or calls you repeatedly with the intent to annoy, harass, or intimidate you, then you may have a case of harassment against your debt collector. If it’s a serious case, you may want to consult or retain an attorney.
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