Will creditors continue to harass me when I go bankrupt in Nova Scotia?

No, your creditors cannot continue to harass you when you go bankrupt in Nova Scotia. After you have filed for bankruptcy, your creditors cannot contact you. All communication is done through the trustee.

When you go bankrupt in Nova Scotia, your trustee will inform your creditors of your bankruptcy.

Enforced by law, all legal actions against you, such as garnishments or collection activities, must stop once the bankruptcy documents are filed.

Creditors cannot start or continue lawsuits, wage garnishees, or even contact you by phone demanding payments.   Secured creditors (i.e. mortgage companies), must still be paid if you are keeping the secured asset (such as your car or house).

If creditors continue to harass you when you go bankrupt in Nova Scotia, we recommend contacting a bankruptcy trustee. Your Nova Scotia bankruptcy trustee will explain in more detail how to deal with creditors once the bankruptcy in Nova Scotia is filed.