Woodbury Heights, NJ Bankruptcy Law Firms & Lawyers

I am not certain what you are asking. Please understand that when you file for bankruptcy you file all your debts and include all your assets. If you have items you want to keep that have liens, such as a car or house, then you keep paying on it. Bankruptcy is a very complicated process. It is wise to talk to an experienced bankruptcy attorney before deciding to take this important step.

How may a debt collector contact you? A collector may contact you in person, by mail, telephone, or fax. However, a debt collector may not contact you at unreasonable times or places, such as before 8 a.m. or after 9 p.m., unless you agree. A debt collector also may not contact you at work if the collector knows that your employer disapproves. Can you stop a debt collector from contacting you? You can stop a collector from contacting you by writing a letter to the collection agency telling them to stop. Once the agency receives your letter, they may not contact you again except to say there will be no further contact. The agency may notify you if the debt collector or the creditor intends to take some specific action. May a debt collector contact anyone else about your debt? If you have an attorney, the debt collector may not contact anyone other than your attorney. If you do not have an attorney, a collector may contact other people, but only to find out where you live and work. Collectors usually are prohibited from contacting such permissible third parties more than once. In most cases, the collector may not tell anyone other than you and your attorney that you owe money.

It does not matter where the filing took place, it is when. Without knowing when your other filings were, we can not advise you. See my website for details on when you are allowed to file.