No, not as long as they were included in the bankruptcy. You should give their information to your bankruptcy attorney, who will contact the debt collector. If that doesn't work, your attorney will certainly know what to do next.
No they cannot, as long as you included them in your bankruptcy. They would be in violation of Federal Law, and liable to suit and possible penalty from the bankruptcy court. The bankruptcy attorney, or the trustee should be notified about any collections on a bankruptcy account.
No you are not, If you deglared bankruptcy, that cancels your debt
Yes, you can. Bankruptcy is not a reason for disqualification for accumulating a HECS debt. Additionally, your HECS debt will not become void if you were to declare bankruptcy whilst having a HECS debt. Call 1800 020 108 if you need confirmation of my answer. They will tell you the same thing.
Until you pay your debt or file bankruptcy.
You can call or write the collection agency or lawyer. You may be referred back to the debtor, unless the collector has bought the debt. To settle the matter, make the best offer over 50% you can pay in a lump sum, or try to get the creditor tio make an offer of a settlement amount. If you can't pay a lump sum, you will find the creditor or collector unwilling to cut a deal as to the amount owed, and you will have to pay the interest plus something towards the principal every month. Look into bankruptcy if the debt is over $1,000 or you owe several unsecured creditors.
NO. You must file bankruptcy. Otherwise, collections efforts against you on bad debt may continue as long as some collector feels it is worth the small chance of payoff.
No.
The debt collector cannot change the date of anything, legally. If the account was discharged in bankruptcy, everything up to the filing date is not owed any longer.
Can a debt collector call a place of employment and demand to speak with the debtor?
Call or email
No they cannot, as long as you included them in your bankruptcy. They would be in violation of Federal Law, and liable to suit and possible penalty from the bankruptcy court. The bankruptcy attorney, or the trustee should be notified about any collections on a bankruptcy account.
No.
If it was an unsecured debt, and you did not intend to omit it for some reason that would constitute fraud, it was discharged. If a debt collector is trying to collect it, see a bankruptcy lawyer or a lawyer who handles debt collection defense. You can file for contempt in the bankruptcy court. You may also have rights under state consumer protection laws.
No you are not, If you deglared bankruptcy, that cancels your debt
No, a debt collector cannot call you every five minutes. That is called harassment. Each state law varies. Contact your state attorney general's office and ask/complain.
Debt collectors can call with a blocked id, the same as anyone else who wishes to remain anonymous and not have their number revealed. A debt collector can not call from a number that has been blocked, however.
This is not a term used in US bankruptcy courts. In a Chapter 7, when a secured debt is to continue as a debt, the debtor must file a Statement of Intention with regard to secured debt and may also have to sign a Reaffirmation Agreement which the lender files with the court. Many court require a hearing to determine if the reaffirmation will defeat the purpose of the bankruptcy.