All the creditors that you listed on your chapter 13 bankruptcy petition are subject to an order for relief which prohibits them from contacting you in any way. You will hear this referred to as the “Automatic Stay”. If you get notices in the mail from your creditors, send them a copy of your original filing notice and contact our office for further instructions. If you get personal direct contact from a creditor, such as a telephone call, a personal letter, a summons or a visit in person, immediately inform them that you are in a chapter 13 bankruptcy, give them your case number and refer them to our office for further communication. Under no circumstances should you discuss the debt with them in any manner.