Are my creditors notified about my bankruptcy filing by email, or phone, or what? Do I have to tell them I’m filing for bankruptcy? I’m so scared to talk to them, I can’t pay them.

As soon as you file your bankruptcy petition an automatic stay goes into effect. This stay stops creditors from being able to contact you about the debt or try to collect on the debt. It’s one of the best aspects of bankruptcy for a lot of people because the constant calls can be so humiliating and annoying. Creditors are notified by mail however, so it could be a few days before they know about the bankruptcy. If you are brave when they call you can simply tell them you have filed and give them your bankruptcy case number so they can verify. At that point they will no longer be able to contact you. If you are not comfortable doing that, you can just wait until they receive the notice in the mail.