But debt settlement companies are not permitted to make contact with creditors once legal proceedings have begun. (badcreditloanservices.com)
You'll make one monthly payment to the bankruptcy trustee for distribution — you'll have no direct contact with creditors during the protection period of 3 - 5 years. (totalbankruptcy.com)
By initiating contact with a creditor who has already forgiven an old debt, you may be required to activate an old account. (badcredit.org)