What do you tell creditors?

[BNKRPTinNC]

In our case we screened all calls, for months, until we had a case number. The only time I had a one on one, prior to receiving a case number but had retained atty, was when they came for the car (didn't get it) and when threatened with foreclosure (didn't get the house either). Both incidents I gave them my atty's name and number and that was that. It really was amazing how the phone calls went from 25+ per day to nada after the first week.

[lookingforward]

Send them a certified letter stating to only contact you by mail.
There are some form letters here in the stickies.

[bktmom28]

I just emailed my attorney and she said that I could tell them (if I wanted to) that I was filing bankruptcy and to tell them not to contact me by phone anymore, only letters, and to refer them to her if I would like. She said they are going to keep hounding me and as long as I don't mind turning my phone off, that is all they will do. I don't mind ignoring them. After all, they did ignore all my pleas for help when they were jacking up my interest rates.

[aljohnson007]

I have a ton of experience with BofA and can tell you what I did. After the first call, I let the rest go to the answering machine and never spoke to them again. I rode this out for 9 months before I filed (pro se) and they never did anything other than send me statements. Make sure you do not have any money in any BofA account as they will take it without notice.

[mike258]

Most attorneys will allow you to refer collection calls to their office once you pay them some sort of retainer.


...but if you are filing pro se, I'm not sure what you say when you get a collection call.

[bktmom28]

We are very new to all of this. My dh and I have never missed any CC payments or house payments, and cannot file until we have our attorney fees as they require payment before filing so we are attempting to sell my dhs truck to get the money to pay the fees. However, we are behind on our BofA CC payment. Also, we are coming up on 60 days late on our mortgage payment (we are surrendering it in the BK, are currently out of our house and renting now, WAY underwater in our mortgage), and have started getting calls from creditors. I am just wondering if I should ignore the calls, or answer and tell them that we are filing for BK. My attorney said we can answer or ignore them, but I don't want them calling my husbands work. I have changed all of our number to our home number or cell numbers, but I have heard that they have ways of getting ahold of your employer. Any tips? Also, we have a very simple case as far as I can tell. Is it worth it to try to do it pro se? If we did it pro se then we could file now rather than waiting until we have $2000 for attorney fees. Any opinions would be greatly appreciate. Thanks!