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What do I do if my creditors call me after I hire you?

After you hire me but have not filed bankruptcy, you can tell most creditors that you have hired me to file bankruptcy for you and give them my name and number and politely ask them to call me. If they have an attitude, do not get upset, but ask them for their full name and supervisor’s name and number so that your attorney may contact him. That usually ends it there.

Always write down the name, date and time of the call, as well as the content of any nasty phone call. Legally, it is against state and federal collection laws for creditors to contact you

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  • Can I go to Jail for not Paying my Bills?

    No, not unless you committed a crime in the creation of the debt (for example, fraud). Simply borrowing money and not being able to pay it back is not a crime. Many creditors representatives will tell you lies on the telephone and say that they will have you put in jail. Perhaps they are too ignorant to know they are wrong or that it is illegal for them even to say that. See More Bankruptcy Q&A