It is nothing you WANT to tell them...all it does is make them speed up their efforts to collect and act to leaglly secure their position to your assets before you file - and of course, stop providing any new credit immeadiately.
You don't have a choice. You list all of your creditors and the court notifies them of the filing. If you deliberately omit a creditor from the list you can be charged with a federal crime and, more seriously, denied a discharge or have your discharge (as to ALL creditors) revoked.
You should not tell them anything...the court will handle communication. Ypu should refer them to ask any Qs they have to the court.
tell the police,999
Bankruptcy services can give you all the information that you need. They can tell you all the pros and cons of filing.
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No. If you file bankruptcy, you are basically telling the creditors that you don't have any funds to pay them. Your finances are being held by the court and the lawyers will tell the creditors that you filed bankruptcy. You are still responsible for the debt. WRONG! If you file bankruptcy and file a chapter 7, if the judge approves your appeal all your credit card debts are erased, and creditors have to stop calling and harassing you. If you file a chapter 13, you are still responsible for a certain portion of your debt, to be paid over a 5 year period, and creditors have to stop calling and harassing you.
If your house is being foreclosed on, you need to file a chapter 13, with a plan for paying the secured debt arrears, including the mortgage(s) and have the income left over every month to pay the plan (and the trustee's percentage).
If you are unable to pay your creditors, you could be a good candidate. You should talk with an experienced bankruptcy attorney, and if bankruptcy isn't the way for you to go, debt settlement might be.
Here's a link to a great site that will tell you what you can keep in a Chapter 7 filing: http://bankruptcy-law.freeadvice.com/consumer_bankruptcy/property_filing.htm
The first two digits of the docket number, before the hyphen, tells you the year. If you don't have the docket number, you can go to a bankruptcy court or bankruptcy lawyer's office and look it up on the computer.
Tell them you filed. Give them the case number. Give them the number of your attorney. If they continue to call, tell them every time they called that you filed and WRITE DOWN THE DATE AND TIME. Make sure you verify which creditor is calling. Every call after they are informed that you have (not will) file bankruptcy is a violation of the Automatic Stay and they can be fined heavily. Speak with an attorney about your specific situation. If you can not find an attorney, contact your local Bar association and they will refer you to one.
Pay off your bills and the arrears on secured debt, or sell the property and pay the debt off. A few states still have "composition of creditors" laws allowing attorneys to do an informal equivalent to a chapter 13. There are a lot of sacams that will tell you they can cure your credit ills in other ways, but I see these people after the additional damage was done, and it's too bad they didn't start with consulting a bankruptcy lawyer first.