Just wanted to say that since we filed last Wednesday the daily 20+ phone calls have diminished to nada, zilch nothing a big fat ZERO as of today. Now onto my 341 meeting.
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Isn't the silence nice? I gave the creditors my attorney's contact information over a month ago and the calls stopped for the most part. Now that I filed, it is nice to know they can't call even if they wanted to!Filed Chapter 7 on July 30, 2010
341 scheduled for August 26, 2010 - Done! - Report of No Distribution
Discharged!!! - November 15, 2010
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We filed right before some primary elections in my county. When the phone rang from a 1-800 number I picked it up, ready to blast a creditor with my new BK information. Imagine my surprise when the call started out as "Hi, my name is XXX and I'm running for county commissioner..."
Such a letdown. lol
The silence is def a good thing and you'll get used to it quickly!Filed Chapter 7 - 06/30/2010
Discharged - 11/18/2010
Closed - 12/22/2010
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The silence is amazing since I filed. After the first few days, I only had one creditor call - and that was to sell me identity protection on one of the cards I had included in bankruptcy.
The reaction was interesting when I posed the question - "Now how exactly is this going to be billed, since that card was included in bankruptcy. I'm assuming that account was closed due to me filing?"
Anyway, sometimes now I have to check periodically to make sure I've still got a dial tone. I get a LOT fewer calls these days!Filed: 6/30/2010
341: 7/26/2010
Discharged: 10/6/2010
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JEM,
At first I felt obligated to answer the calls but after the first month I said screw it. I didn't have the money to pay and I knew I was going to file so I didn't pick up their calls for 5 months. I disconnected our landline at home and let all numbers I didn't recognize go to voicemail on my cell.$160k Unsecured; Way Over Median
Filed CH 7: 7/28/10; 341 Meeting: 9/7/10 (Was A Breeze)
Dishcarged: 11/9/10; Case Closed: 12/2/10
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Nobody calls me anymore. Its boring. in a sick sort of way i looked forward to listen each night to who was leaving a message, and the fraustration in their voice.now nothing. i miss Hot LindaStopped Paying CC's 2/2009. Retained Attorney 1/10/2010 Filed 1/23/2010. Discharged 5/19/10 $187K CC, $240K 2nd,$417K 1st, No asset Ch-7
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