A creditor is still contacting me about a debt

Learn what to do if a creditor continues to contact you about a debt, even though you are bankrupt.

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Dealing with creditors and debt collectors

Normally creditors are not able to demand payment for most debts included in your bankruptcy.

Sometimes companies sell their debts to debt collection agencies, who may not be aware you are bankrupt.

You are liable for debts you incur after the start date of your bankruptcy.

Steps to take if a creditor contacts you about a debt

If a creditor is still contacting you for a debt you have included in your bankruptcy, take the following steps:

  1. Tell them you're bankrupt and provide your AFSA administration number and start date.
  2. Check if the creditor is referring to the same debt that's listed in your bankruptcy.
    • If so, ask the creditor if they purchased the debt from the original creditor (if so, inform your trustee).
  3. Refer the creditor to your trustee to confirm your bankruptcy.

Note: If you forgot to list a debt in your bankruptcy, or the debt you listed was sold to a debt collection agency, you must update your details. Visit Can I add a debt to my bankruptcy for more information.

Steps to take if you can't resolve the issue

Sometimes creditors may continue to contact you despite your best efforts to explain your situation.

If you are not able to resolve this directly with the creditor:

  • contact your trustee
  • visit the MoneySmart website for general advice about dealing with creditors and debt collectors.