Fdcpaviolationswinner
Lockport,#2
Wed, September 16, 2009
There's a lot of gray area regarding collectors calling upon a debtor retaining an attorney. Debt collectors are initially prohibited from calling a debtor once they retain an attorney. However, after a "reasonable period of time" that the attorney doesn't hypothetically respond, collectors can resume calling the debtor again. That whole "reasonable period of time" is open to interpretation. However it's generally about 30 days. Creditors can dun you and/or your attorney until the bankruptcy petition is filed. Only then with the automatic stay kicking in are you truly in the clear.