Collection Call Frequency

[keepinitreal]

Today, my dad called me and told me that my aunts and uncles were getting calls for me from creditors. I have a call in to my attorney but haven't heard anything yet. Any advice? This is getting embarrassing.

They want to force you to talk to them on the phone. That way they'll either get you to send them money or get some incriminating information from you that they can use against you in the future. Hopefully you can be up-front with your aunts and uncles and tell them to please just hang up on anyone who asks about you and to not tell callers anything about you. Good luck!

[ryan]

The creditors will not be interested in atty info unless it includes a BK case #.

[Uncle]

Thanks for the replies.

I do have another issue. I have retained an attorney but have yet to file. I've spoken too several callers and tried to give my lawyers info as he instructed, but none would take the attorneys info. They wouldn't get off the phone until I hung up. This hasn't been a problem because I have been avoiding the calls. Today, my dad called me and told me that my aunts and uncles were getting calls for me from creditors. I have a call in to my attorney but haven't heard anything yet. Any advice? This is getting embarrassing.

[pikaroth]

I, too, am filing late January or early February, and I stopped paying on my cards toward the end of last month. As of today, I am getting calls from two companies. Bank of America is the worst. I was, no joke, four days past due on a payment, and I got a letter from them in the mail. Two days later an 'uknown' number kept calling me. While I have no proof it is them, I am assuming that it is being that, at the time, they were the only card I was late on. I am getting calls from them every two to three hours, and I have answered it exactly three times (and I will not do so again), and there is NO ONE on the other end. I just ignore it now.

Today Discover began calling. I've gotten three calls from them today alone. At least they list their number and do not block it. I have not answered it, but when I do, assuming they actually have someone on the other end, they'll get my attorney information.

So, as of now all five of my CCs have not been paid in over a month, and BOA has sent two letters and calls daily. Discover started today. I have not gotten a thing, mail or phone call, from any of them others. I know they're coming, but BOA has been the worst, and it now appears Discover is following suit.

Oh well.

[Freddy03]

It really depends on the company.

I would get calls every day (3-4 times a day) from the larger balances due. The smaller accounts just called once. I pre set my ringtone to silent for anyone I do not have the number saved for so my phone wouldn't ring.

After 90 days I started to receive phone calls at work.

You could send them a letter telling them that all calls are a inconvenience at this time you can only be reach by mail. That might help. They don't always listen.

[Uncle]

I stopped paying on all my cards in September. Inevitably, I started getting the phone calls from creditors. I plan on filing chapter 7 in February. I wanted to get some input on whether the calls will get more intense before I file, or is this is bad as it gets. I have most of the calls blocked on my my phone now and am having no problems handling the calls. Just wanted to see what to expect when I go from 30-60 days late to 6 months late.