One of the advantages of filing bankruptcy is that the law places a wall of special protection around a debtor who properly requests relief under the Bankruptcy Code. Once you file, you are protected from all attempts at collection - your creditors can no longer harrass you, call you, send you letters and statements, or attempt to foreclose and reposess your home or automobile. But what happens if they do anyway? They pay.
Some creditors just believe that they are above the law. This happened recently to a client of ours - despite her repeated insistance that she had filed bankruptcy, a used car dealership sent a repo man to her residence anyway. She had to call the sherriff to stop the unlawful repossession.
We took the car dealer to court and won cash damages for more than the car was worth. If you have filed bankruptcy and your creditors are not respecting the law, we can and will take them to court for sanctions. Call if you have any questions.