should I change info

[monkatom]

we are current on payments but getting ready to stop paying CC's. Wife is extremully upset that CC companies will call her work. should i call the CC companies and change her work phone number which would basically be lying but will keep them from calling her? She is a teacher so her employer on record is the school district not her school but the phone number is for her school.
Thanks

[B12]

You can go online and change the phone number, even delete whatever you want, it is not lying.

I changed every number to my cell. I answer the phone, tell them who I am and then hang up. If you identify yourself, they will not call family and neighbors.

Hopefully they will not and cannot say what the call is in reference to. You can also write to them and demand that no phone calls be made to workplace.

I also changed all my banking info that I had online with cc companies. Just deleted it.

[jp2861]

I wouldn't call them. Go online and change your contact info for each account. I use my cell number for all my accounts, for both work and home number entries. Been doing it for years and never been questioned. If you have a landline and a cell why can't you use those numbers. I doubt it very much that theres a law saying you have to provide a work number. Just hope that your wife didn't give them her work number on some form she filled out. Or, if they know where she works they'll go to any extreme to track down the phone number. Try changing them online, it can't hurt to try.

[ssdsco]

If you're following the advice to ignore your creditors and if your wife's employer is on any of the credit apps I think the creditors will eventually find her employer's phone number and call. Maybe after 2-3 months of being late.

Follow the link below to understand your rights. I believe these only apply after the original creditor hands the debt off to a 3rd party such as a collection agency.

http://www.bkforum.com/showthread.php?t=946

If your home/cell phone clearly identifies you and your wife's name that might head off some calls to her employer and your family.

Your best option might be to retain an attorney when you stop making payments and see if all creditor’s calls can be referred to his office even though you may not be filing for a few months. From what I've read this may give you the highest probably of no calls to your wife’s work place and family trying to track you down..

Hopefully others will jump in that have actually done this.

[jp2861]

If you're following the advice to ignore your creditors

He didn't say he was going to ignore anyone, just wants to avoid his wifes co-workers from hearing about the BK.

Retaining a lawyer won't stop the calls. Just because someone has a lawyer on retainer doesn't mean the creditors won't continue to call. Most are dirtbags and will just say the call was a mistake. A consumer will have a difficult time proving otherwise. Filing date is a different story.

[monkatom]

I could care less if they call me or my work but being a teacher and hopefully becoming a principal one day she is very concerned about them calling her work. I have gone online and tried to update info so hopefully taht will help. Thanks for the advice.

[EveryDayAdam]

as long as you put on your voicemail your full name you should be fine. even answer one or two of them and confirm your identity with them. Dont give them any information beyond your identity. Simply say "I can not pay." and hang up...they may call you back right away, just repeat "I can not pay." You are not obligated to tell them why, so don't.

Don't listen to what they say, they will lie to you to get you to pay. Don't try to out smart them, you won't...they've been doing this a lot longer than you have. All you should do is confirm your identity, say that you can not pay, and hang up... Feel free to hang up on them if they are talking. If you just simply can't hang up on someone, them say something like "please hold on a second while I turn on my tape recorder"...That will get them to hang up pretty quick