they aren't on drugs. they are debt collectors. it's their job to be the way they are.
i don't know if it's a good idea to tell them you will be filing bk before talking to a lawyer. i just don't know.
of course it's not fair if they just don't check whether you have been served, but unfortunately due process doesn't always happen in practice. maybe it will in your case, but i don't know. you could check by finding the local courthouse or court website and checking whether you have been sued (but i would call anonymously, or search on the website).
i don't know how time consuming it would be to stall them. probably a couple of letters at the beginning, though at some point if you really go for it there would be a court appearance. it all depends on your local court rules. that's also something to ask a local lawyer.
i don't know if it's a good idea to tell them you will be filing bk before talking to a lawyer. i just don't know.
of course it's not fair if they just don't check whether you have been served, but unfortunately due process doesn't always happen in practice. maybe it will in your case, but i don't know. you could check by finding the local courthouse or court website and checking whether you have been sued (but i would call anonymously, or search on the website).
i don't know how time consuming it would be to stall them. probably a couple of letters at the beginning, though at some point if you really go for it there would be a court appearance. it all depends on your local court rules. that's also something to ask a local lawyer.
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