Pre-Discharge — Post-Petition Stay Notice

Automatic Stay Violation Notice Generator

Generate a formal notice letter to a creditor pursuing collection activity after your bankruptcy petition has been filed. Cites 11 U.S.C. § 362 (the automatic stay) and demands immediate cessation. Fill in the form on the left, see the letter render live on the right, then copy or save as PDF. Self-contained, no signup, nothing leaves your browser.

Template tool, not legal advice. This is a free document-generation utility provided by the Open Bankruptcy Project, a 501(c)(3) nonprofit (EIN 41-5159631). The tool reproduces template language only. The content, accuracy, and use of any letter generated are solely the user's responsibility. No attorney-client relationship is created. Consult a licensed attorney for advice specific to your situation.

Letter Inputs

Sender (You — the Debtor)

Recipient (Creditor / Collector)

If the collector is acting on behalf of a different original creditor (debt buyer, assignment, servicing transfer), name the original creditor here so the account chain is clear.

Bankruptcy Case

The automatic stay arises automatically at the moment of filing under 11 U.S.C. § 362(a). Any creditor activity after this date may be a stay violation.

Stay-Violation Activity

If multiple incidents, use the most recent date. You can describe the pattern in the "Other" field above.

Prior Notice

If oral notice was already given, willfulness under § 362(k) is easier to establish. The letter language adjusts accordingly.

Demands

Reservations

Live Preview

Reminder: This is a template. Review every line before sending. The Open Bankruptcy Project does not represent you and does not certify any output.
Loading…
Copied!

Related tools

One more reminder: Template tool, not legal advice. The Open Bankruptcy Project is a 501(c)(3) nonprofit (EIN 41-5159631) providing free informational tools. Consult a licensed attorney before sending any legal correspondence. The accuracy and content of any letter generated by this tool are solely the user's responsibility.

This site provides general information, not legal advice. Consult a qualified attorney for your specific situation.