Below you will find a list of questions we come across quite often. Keep in mind, we will still not answer questions that would be deemed legal advice. If you are looking for answers to other questions, visit our forums and post your question there. We are more than confident that someone has been where you are today and can answer with specifics. I just filed for bankruptcy. What do I tell the creditors if they call? If I file bankruptcy will, I ever get credit again? People say I shouldn't file bankruptcy because it will ruin my credit. Is this true? What is the 341 meeting or "meeting of the creditors"? Back to Top If they call, which I am sure they will for a couple of weeks, tell them you have filed for bankruptcy protection. They will most likely ask you who your attorney is. Tell them you filed Pro Se and give them your case number and filing date. After you give them that information, you do not have to talk to them any further and they have to cease all collection activity. Back to Top The simple answer is yes. Contrary to popular belief, most of the time your credit score goes up shortly after filing for bankruptcy. This is because your debts that once were counted against you become unrated and included in the bankruptcy on your credit report. There are a lot of companies out there tripping over each other to give credit to people who have filed. Most times you will recieve a credit offer in the mail before your even discharged. Back to Top This is a double edged sword. Yes, the bankruptcy will stay on your credit report for 7 to 10 years, but if your to the point that you need to file bankruptcy, most likely your credit is severely effected already and you can only go up from here. Back to Top This is simply the meeting you go to roughly 60 days after you file. Your creditors are welcome to come as well and ask you questions. For example, they may ask how did you get where you are or why did you have to file bankruptcy. Most, if any at all, don't even show, it's not worth their time. During this 10 minute process the trustee will ask you a few questions on your petition and then you're on your way. By the way, even if you have an attorney, they are NOT allowed to answer any questions for you. If you bring one, they just sit there and watch.