Stopped paying bills. What to say to the vulures when they call?

[JackBondLove]

I have yet to speak to any of them, what do they expect me to say? My ringer volume is down and I get 50+ messages a day and now they are blowing up my cell phone. Very aggrivating but just counting the days until the Atty. is paid in full and we can get this over with.

I made sure to have everyone call only my regular phone number, threatening legal action if I would get a call anywhere else; my cell phone has been quiet once I tell them this. My relatives have gotten some calls, and I tore into each creditor after each incident (it was the same creditor, or its assigned collection agency.)

I do answer the phone every once in a while, and lately have been asking for my current balance and payment (that I need for the counseling and filing), and for a settlement offers (which I carefully keep track of in a spreadsheet), and ask for extensions when the previous offer goes out of scope. After I officially file next week, I will just wait for these idiots to call me at which time I will tell them that I have decided to file Chapter 7, and give my attorney's name.

Interesting, I have ceased getting calls from the gov about my SBA disaster loan, and have actually had to get my Congressmen to help me get some info about my case!

[JackBondLove]

I don't think that most debt collectors are intelligent enough to understand so many syllables strung together that closely. Do you speak very slowly or find yourself having to repeat yourself often?

Typically I will demean the representative by asking, "you do know what ... means, don't you?" I even had one representative who did not know about the BK counseling requirement. I lit into him like he was a dunce and asked to speak to HIS manager about why a peon like him has not been properly trained, and that I was wasting my time talking to someone who did not the rudiments of the bankruptcy process (he politely ended the call at that time.)

In some ways, I am actually looking forward to abusing the zombie debt collectors.

[Flamingo]

LOL! I am reading the OP's initial posting title..."Stopped paying bills. What to say to the vulures when they call?" While we all hate the dreaded phone calls that start when we stop paying bills to creditors from which we borrowed money to use, realize that creditors (vultures only gather when there is a feast to devour) are only trying to get back money owed to them and if someoneone borrowed several thousand dollars from you and did not pay it back, you would also be on the phone or otherwise trying to get paid back. Once you realize with that statement what the process is all about, you can handle it differently and understand why it is taking place and what is going on.

[flyinbroke]

Some of mine are vultures...I have not used said accounts in years (opted out of rate hikes eons ago) so all I owe them at this stage, based on past payments, is interest. I figure I am skimming their profits, not stealing money I borrowed (paid that back with interest...yes, I did the math.)

I just don't bother answering the phone. My VM tells them they have the right number IF a person makes the call. I often get cut-off half messages from the robo telling me to press 1, or something like that. Makes no sense in a VM message so I guess my message sounds like a real person answering.

[callies]

Can I go into my cc and put the attorneys number???

[OhioFiler]

Can I go into my cc and put the attorneys number???

Might as well put Pizza Hut's number in there. It won't make any difference.

[tigergem]

LOL! I am reading the OP's initial posting title..."Stopped paying bills. What to say to the vulures when they call?" While we all hate the dreaded phone calls that start when we stop paying bills to creditors from which we borrowed money to use, realize that creditors (vultures only gather when there is a feast to devour) are only trying to get back money owed to them and if someoneone borrowed several thousand dollars from you and did not pay it back, you would also be on the phone or otherwise trying to get paid back. Once you realize with that statement what the process is all about, you can handle it differently and understand why it is taking place and what is going on.

lol... I think everybody on this forum "gets" that they owe somebody something.