What does the court send to your creditors after you file bankruptcy? What does a Notice of Chapter 13 or 7 Bankruptcy Case, Meeting of Creditors, & Deadlines say?

After you file bankruptcy, the court mails a notice to all of your creditors giving them the date of the 341 meeting of creditors.  This notice also gives your contact information, your attorney’s contact information, and even the contact information for the bankruptcy trustee.

341 Notice of Chapter 7 13 Bankruptcy Case, Meeting of Creditors 7 Deadlines  (Here is one attached in .pdf format).  The 341 notice also gives your creditors the various deadlines for filing claims in your case or, in extreme situations, objecting to your case.

The 341 Notice also warns  your creditors  that:

Creditors May Not Take Certain Actions:

In most instances, the filing of the bankruptcy case automatically stays certain collection and other actions against the debtor, the debtor’s property, and certain codebtors.  Under certain circumstances, the stay may be limited to 30 days or not exist at all, although the debtor can request the court to extend or impose a stay.  If you attempt to collect a debt or take other action in violation of the Bankruptcy Code, you may be penalized.  Consult a lawyer to determine your rights in this case.

In other words, the Bankruptcy Court warns your creditors that they had better stop collection activities, or else they may be found in violation of the Bankruptcy Code.

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