I'm talking about a creditor who violates the automatic stay. When this happens, the creditor is at risk of being called to task for violating the Court Order prohibiting contacting the debtor in an attempt to collect a debt after the bankruptcy has been filed.
When filing bankruptcy, you're not "Mirandized", fortunately, but if you choose to hire an attorney to represent you, you have a right to at least meet that attorney.
Almost all of my Orlando bankruptcy clients tell me the same story when they come in for their free evaluation with me. That is “Credit card companies just don’t listen to me”. “The credit card companies call non-stop, I tell them what happened to make my payment late and offer a payment plan I can afford, then they say no to that and me to...