Calm before the storm?

[TabulaRasa]

Was yesterday some sort of holiday? It was the first day since November that I haven't received a single call from one creditor or another.

When they call, I don't worry. When they don't, I get the feeling something is up.

Oh well, I'm about 5 weeks away from filing...

[GoingDown]

There is sometimes a period of silence when the OC shifts the debt to an outside collection agency, or when the OC sells the debt to a third party junk debt buyer.

I've also noticed that it has literally been 4 months since the last collection agency called me. All of my debts are so old that they have all been sold to junk debt buyers, and they have all received cease and desist letters from me. I think they're tired of me and they know that I'm never going to voluntarily pay them a penny, so they don't waste any time or effort on me anymore.