September 23, 2017

What to do When Creditors Call You at Work

Creditors and collection agencies use so-called "robo-dialing" technologies to call debtors at work, home and on their cell phones day after day.  The best advice is to not talk to them, unless you have a proposal for repaying the debt in full. If you have a smart phone, you can set it to "reject" the call, but of course this won't make your debts go away. You can send a cease and desist … [Read more...]

Repaying debts with Debt Consolidation, Debt Settlement, or Chapter 13

In nearly 40 years of practicing bankruptcy law, I've learned a lot about human nature. One of those things is that the vast majority of people want to pay their debts. Almost invariably, they do not want to file bankruptcy because of the perceived stigma. This is understandable, but it may lead to a decision that in the long run becomes costly and painful. To meet that desire to make good on … [Read more...]

Dealing with Creditor Calls at Work

Some of the best advice a bankruptcy attorney can give is about timing: when to file.  In many circumstances, I advise clients to wait until a date certain to file, and to maintain the status quo until then, which often means dealing with a deluge of creditor and bill collector calls until their cases are filed. Don't allow yourself to be railroaded by creditor calls Many clients want and need … [Read more...]