Will creditors continue to harass me when I go bankrupt in Newfoundland?

No, your creditors cannot continue to harass you when you go bankrupt in Newfoundland Once you have filed for bankruptcy, your creditors must contact your trustee, not you.

When you go bankrupt in Newfoundland, your trustee will notify your creditors of your bankruptcy.

By law, all legal actions against you, including garnishments and collection activities, must stop once the bankruptcy documents are filed.

Creditors are not permitted to start or continue any lawsuits, wage garnishees, or even telephone calls demanding payments.   The only exception is secured creditors, such as mortgage companies, who must still be paid if you are keeping the secured asset (such as your car or house).

If creditors continue to harass you when you go bankrupt in Newfoundland, we recommend contacting a bankruptcy trustee. Your Newfoundland bankruptcy trustee will explain in more detail how to deal with creditors once the bankruptcy in Newfoundland is filed.