How do I stop harassing creditor telephone calls?

     Several recent television shows and news articles have chronicled the practices of debt collectors and the incredible things that some do in using harassing telephone calls to try to convince their debtors to pay their bills. While it is true that not all debt collectors use these practices, it is very common for almost all debt collectors to use some version of the "collection call." Often times, these calls only serve as an embarrassing and frustrating reminder of a debt that the debtor is unable to pay.
     First, it is important to understand that some such calls can violate law. The Fair Debt Collection Practices Act puts limitations on some actions of debt collectors. If you think a creditor may be violating this law, you should contact an attorney immediately to have the actions reviewed.
     If your situation calls for you to declare bankruptcy, you will also be relieved of these calls. As soon as your bankruptcy is filed, an automatic legal stay goes into place. That stay stops creditors and collection agencies from taking any further actions in seeking to collect the debt. This includes telephone calls, letters, lawsuits, and any other actions for collecting the debt. The harassing calls are stopped automatically by the filing.   

NOTICE: This site is not offering legal advice and nothing on it should be considered to be legal advice. The information on this site is being offered only for educational purposes. If you are considering bankruptcy, you should consult with a licensed attorney who regularly represents clients in bankruptcy and allow them to review your circumstances and advise you accordingly.

The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 Requires the following notice:
We are a Debt Relief Agency. We help people file for bankruptcy relief under the Bankruptcy Code. This web site is not an offer to provide bankruptcy assistance services to any assisted person as defined under Section 527(a)(2) of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005.