Disconnecting home phone?

[imoverit]

I was thinking of disconnecting our home phone. The only people that ever call are debt collectors. All friends and family call our cell phones. If we disconnect, will that speed up any "legal" action on part of the creditors because they can't get a hold of us? A couple of them do have our cell phone numbers, sometimes I answer sometimes I don't. We stopped paying our bills in November and BofA is already threatening and it hasn't even been 3 months...but then again, I do owe then A LOT of money... I was just trying to think of a way to save a few bucks...

[Genenco]

It will only cause your collectors to call family looking for you...Might be better to just "Sort of" talk to them by saying "I know you want money, wish I had it to give you. I don't and don't know when I can"

Hope you are filing soon, then the calls (Of course) stop.

[lrprn]

Typically disconnecting your land line won't accelerate a creditor heading to court if they intend to do so eventually. However, it may cause your creditors to call your family members inquiring about how to contact you (all they are allowed by law to ask, but creditors violate this frequently). Depends on how aggressive your creditors are.

Don't be surprised if you eventually start gettting cell phone calls from your creditors because your family members cough up the number or because the creditor does a skip-trace on you - that will very likely turn up your cell phone numbers as well. Still...you may get a few weeks of peace and quiet out of it.

[magyar123]

Go ahead disconnect your landline phone or change the # and make it unlisted/unpublished. Advise anyone who you know not to reveal your new #, and ask them to play "dumb" if they are asked of your whereabouts.