What Should You Do About Creditors Who Are Calling You?

Once they learn that you have filed your bankruptcy, creditors and collection agencies will stop calling you. In the meantime, to stop your creditors from calling you, tell them the following: “I hereby demand that you stop calling me under authority of the California Civil Code Section 1788.10-.18 and the Fair Debt Collection Practices Act, Title 15 United States Code, Section 1692c.” Immediately hang up after telling them that. If necessary follow this up with a letter to the same effect. You can use this same approach if they are calling your place of employment (i.e., “I hereby also demand that you cease calling my place of employment on the ground my employer does not allow it.”)