The creditors have started calling...

[wellnowwhat]

How long until you plan to file?

You can't put them off indefinitely telling them that you are filing bankruptcy..I didn't tell any of my creditors (except IRS) until I filed.

Personally, I would ignore the calls from the cc companies. If a creditor is getting particularly annoying (like your car company) I would have them contact the attorney - since they could repossess the car if you just ignore them too long. Do you plan on keeping your car and paying through your CH13? If you want to continue paying that outside the plan, you should be making those payments...but clarify with your attorney before doing anything.

I plan on giving up the car as it's a lease that has become way too cost prohibitive to keep. I'm hoping to file within 3-6 months, depending on how quickly I can pay the attorney.

[murph996]

How long until you plan to file?

You can't put them off indefinitely telling them that you are filing bankruptcy..I didn't tell any of my creditors (except IRS) until I filed.

Personally, I would ignore the calls from the cc companies. If a creditor is getting particularly annoying (like your car company) I would have them contact the attorney - since they could repossess the car if you just ignore them too long. Do you plan on keeping your car and paying through your CH13? If you want to continue paying that outside the plan, you should be making those payments...but clarify with your attorney before doing anything.

[wellnowwhat]

Well, it's finally begun. I was told by my attorney to stop making my payments on my credit cards and car loan. I'd never missed a payment before. Now, the car loan company has started calling multiple times a day (I usually just have my phone on vibrate), and some of the credit card companies have tried to call me, as well.

I'm not sure what to do about it. Do I just ignore them? Tell them that I plan to file bankruptcy? Refer them to my attorney like he said I should?

Part of me is just afraid to tell them anything because I don't want to spur them into action any sooner than if I had just ignored them.

On a positive note, it's not nearly as bad as I had expected.