Debt collectors are subject to strict regulation, but some collection agencies simply ignore the restrictions and engage in unethical tactics. If a debt collection agency calls because they are not aware of your bankruptcy, you should give them the information about your case, and all contact should stop immediately. If you receive any contact after you inform the creditor of your discharge, you should contact your lawyer to help you protect your rights and work with you to take action against the creditor. After you complete your Chapter 7 or Chapter 13 bankruptcy, your debt is discharged.