{"id":3675,"date":"2010-09-24T09:00:38","date_gmt":"2010-09-24T09:00:38","guid":{"rendered":"http:\/\/www.duncanlawonline.com\/?p=3675"},"modified":"2010-09-24T09:00:38","modified_gmt":"2010-09-24T09:00:38","slug":"stop-getting-statements-after-bankruptcy","status":"publish","type":"post","link":"https:\/\/www.duncanlawonline.com\/staging\/8350\/stop-getting-statements-after-bankruptcy\/","title":{"rendered":"What If I Stop Receiving Mortgage or Car Statements After Filing for Bankruptcy?"},"content":{"rendered":"<p>[youtube]http:\/\/www.youtube.com\/watch?v=NJEk651CFqE[\/youtube]<\/p>\n<p>&nbsp;<\/p>\n<p>Once you file a bankruptcy, an <a title=\"Automatic Stay | Bankruptcy Lawyers\" href=\"https:\/\/www.duncanlawonline.com\/bankruptcy-stop-creditor-calls\/\" target=\"_self\">automatic stay<\/a> goes into effect.\u00a0 This automatic stay states that no creditor can try to collect any debt from you; according to statute <a title=\"U.S. Bankruptcy Code\" href=\"http:\/\/www.law.cornell.edu\/uscode\/usc_sec_11_00000362----000-.html\" target=\"_blank\">11 U.S.C \u00a7 362 (6)<\/a>, \u201cany act to collect, assess, or recover a claim against the debtor that arose before the commencement of the case under this title\u201d. \u00a0\u00a0If a creditor does contact you with payment demands, a <a title=\"Charlotte Bankruptcy Lawyers\" href=\"https:\/\/www.duncanlawonline.com\/bankruptcy\/charlotte-bankruptcy-lawyer\/\" target=\"_self\">Charlotte bankruptcy lawyer<\/a> or <a title=\"Greensboro Bankruptcy Lawyers\" href=\"https:\/\/www.duncanlawonline.com\/bankruptcy\/greensboro-bankruptcy-lawyer\/\" target=\"_self\">Greensboro bankruptcy lawyer<\/a> can file what\u2019s known as a \u201cmotion for sanctions\u201d which reprimands the creditors attempting to collect the debt.<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignleft size-medium wp-image-3678\" style=\"margin-left: 10px; margin-right: 10px;\" title=\"Bills in Mailbox\" src=\"https:\/\/www.duncanlawonline.com\/wp-content\/uploads\/2010\/09\/Bills-in-Mailbox2-300x225.jpg\" alt=\"Bills in Mailbox\" width=\"210\" height=\"158\" \/><\/p>\n<p>Even though you are current, and are going to keep your house or car; many creditors will still not send you a bill once you have filed the bankruptcy.\u00a0 Ever heard the phrase, \u201cbetter safe than sorry\u201d?\u00a0 Well, this is exactly why you are not receiving your statements now; they do not in any way want to violate the automatic stay.\u00a0 If you had set up automatic bill pay, this will likely stop as well.\u00a0 You just have to remember regardless of whether you receive a bill, you must continue to make your house or car payment!\u00a0 If not, the creditors have the legal right to foreclose on your home or repossess your vehicle.<\/p>\n<p>What can you do?\u00a0 Simply call them and request that they still continue to send you your statements.\u00a0 They may send something to your bankruptcy attorney asking for he\/she to sign off to give permission for you to resume receiving statements for their records, but in most cases, it is as simple as that.\u00a0 Again, the main reason a creditor stops sending you statements is because they do not want those statements to be viewed as an effort to collect a debt which would violate the automatic stay that goes into effect when your bankruptcy is filed.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[youtube]http:\/\/www.youtube.com\/watch?v=NJEk651CFqE[\/youtube] &nbsp; Once you file a bankruptcy, an automatic stay goes into effect.\u00a0 This automatic stay states that no creditor can try to collect any debt from you; according to statute 11 U.S.C \u00a7 362 (6), \u201cany act to collect, assess, or recover a claim against the debtor that arose before the commencement of the &#8230; <a title=\"What If I Stop Receiving Mortgage or Car Statements After Filing for Bankruptcy?\" class=\"read-more\" href=\"https:\/\/www.duncanlawonline.com\/staging\/8350\/stop-getting-statements-after-bankruptcy\/\" aria-label=\"Read more about What If I Stop Receiving Mortgage or Car Statements After Filing for Bankruptcy?\">Read more<\/a><\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[5,20,6,7,8,10],"tags":[],"class_list":["post-3675","post","type-post","status-publish","format-standard","hentry","category-after-you-file","category-automatic-stay","category-bankruptcy","category-chapter-13","category-chapter-7-2","category-duncan-law-blog"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What If I Stop Receiving Statements After Filing for Bankruptcy?<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.duncanlawonline.com\/staging\/8350\/stop-getting-statements-after-bankruptcy\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What If I Stop Receiving Mortgage or Car Statements After Filing for Bankruptcy?\" \/>\n<meta property=\"og:description\" content=\"[youtube]http:\/\/www.youtube.com\/watch?v=NJEk651CFqE[\/youtube] &nbsp; Once you file a bankruptcy, an automatic stay goes into effect.\u00a0 This automatic stay states that no creditor can try to collect any debt from you; according to statute 11 U.S.C \u00a7 362 (6), \u201cany act to collect, assess, or recover a claim against the debtor that arose before the commencement of the ... 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