Well, during the bankruptcy, the first thing that they can’t do is they cannot continue to try to collect the debt from you. So, once the bankruptcy is filed — now keep in mind, sometimes it takes a week or two for them to receive the notice from the court — if it’s an emergency situation, sometimes, uh, we reach out to the creditor if it’s a potential repossession or foreclosure, something like that, to give them a heads up. But, uh, once they receive the notice about the bankruptcy, those creditors have to stop trying to collect from you. If they filed a lawsuit against you, they have to stop that and withdraw it. If they’re calling you, emailing you, sending you letters — all those things have to stop right away.
Now, things they can do — uh, they can object to the bankruptcy and try to find some way to fight it. But keep in mind, that’s very, very, very rare, and there are limited, uh, ways that they can even do that — things like finding of fraud by court, things like that. So that’s really not something to worry about. In Chapter 13, sometimes there are objections over things like the interest rate that’s been provided, or value of the car that, uh, we’re seeking to, uh, lower it to and and pay that amount, things like that. But, by and large, uh, just a creditor trying to fight the bankruptcy at all — that — that’s rare, and and something that very few people should worry.
