Creditors calling at work!

[ironman1964]

I plan on filing for a chpt7 in the next few months, am just trying to save some money right now for an attorney. I have 2 BofA cc's, 1 Chase, and 1 Discover that I have never missed a payment on until 2 weeks ago when I decided that a BK was my only solution. Discover has been calling at work already, although my first missed payment in 7 years was only 10 days ago. I work nights, so they have been calling my work place during the day and I was told they called 10 times yesterday. I did talk to them today, but I didn't want to mention that I am filing yet, so I just told them that I am real low on money and that I will try to catch up. Of course, he only wanted to negotiate a 60% settlement, which is a waste of time since I can't even afford to pay the monthly minumims anymore.

Anyway, I am guessing that it will take me 3 months to save enough money to get an attorney, so how do I stop these workplace calls? Should I write them all letters explaining my situation or should I just tell them that I plan to file? I really didn't expect this much harassment so fast after stopping payments.

By the way, I should add that my bosses will not tolerate this very long.

[BassBoy]

You can simply inform the collector/creditor that you are not allowed to receive personal calls at your place of employment and to not attempt to contact you at that number any further and to ONLY contact at home (or cell phone).

There is some great information here:

http://bkforum.com/showthread.php?t=2332

[lrprn]

Anyway, I am guessing that it will take me 3 months to save enough money to get an attorney, so how do I stop these workplace calls? Should I write them all letters explaining my situation or should I just tell them that I plan to file? I really didn't expect this much harassment so fast after stopping payments.

By the way, I should add that my bosses will not tolerate this very long.

The next time you get a call, inform them you are not allowed to get personal calls at work (sounds like that's the truth in your case anyway) and then hang up. They must stop calling you at work after that. If that doesn't stop the calls, then send them each a certified letter stating the same - by law they MUST identify themselves to you when they call. If they still continue to call you at work after that, then you have the right to sue for damages.

Check out the Fair Debt Collections Practices Act at http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#806 for what debt collectors can and cannot do. Also http://www.fair-debt-collection.com/...n-calls-5.html does a good job explaining how to stop collection calls. Hope this helps!