already getting calls at my job

[MaxedOut]

Well this is the first month of no payments to anyone and they are starting to call my job. How can I make this stop till I file?

[jp2861]

How may a debt collector contact you?
A collector may contact you in person, by mail, telephone, telegram, or fax. However, a debt collector may not contact you at inconvenient times or places, such as before 8 a.m. or after 9 p.m., unless you agree. A debt collector also may not contact you at work if the collector knows that your employer disapproves of such contacts.

Can you stop a debt collector from contacting you?
You can stop a debt collector from contacting you by writing a letter to the collector telling them to stop. Once the collector receives your letter, they may not contact you again except to say there will be no further contact or to notify you that the debt collector or the creditor intends to take some specific action. Please note, however, that sending such a letter to a collector does not make the debt go away if you actually owe it. You could still be sued by the debt collector or your original creditor.

http://www.ftc.gov/bcp/conline/pubs/credit/fdc.shtm

[epiphany]

I have found that usually just telling them you can't be called at work works the first time. If I have ever had to tell them a second time, it has stopped completely (at work that is).

Freakin' Citifinancial has been calling my work for the last week. I have been working off site but some moron must have given them my location info today and they tracked me down there. So, today was the first time that I told a creditor that I was filing. The woman wanted to know which chapter (I told her and then I was thinking maybe I shouldn't have?). Then I kicked myself for telling her anything and told her that any further questions needed to be directed to my lawyer and gave her his info. She actually thanked me for the information. I hope she stops calling now...Citifinancial is very aggressive.

EP

[Flamingo]

I have found that usually just telling them you can't be called at work works the first time. If I have ever had to tell them a second time, it has stopped completely (at work that is).

Freakin' Citifinancial has been calling my work for the last week. I have been working off site but some moron must have given them my location info today and they tracked me down there. So, today was the first time that I told a creditor that I was filing. The woman wanted to know which chapter (I told her and then I was thinking maybe I shouldn't have?). Then I kicked myself for telling her anything and told her that any further questions needed to be directed to my lawyer and gave her his info. She actually thanked me for the information. I hope she stops calling now...Citifinancial is very aggressive.

EP

Once you advise them that you have filed and provide them with the name of your attorney and the attorney's phone number, the majority stop calling. If they call again, tell them you have retained an attorney to file BK, provide them with you Case No. and the attorney's phone number. If you have not filed yet, tell them to not contact you at work anymore, obtain an address where to send them direct correspondence (for you to write them not to call you at work) and that they will be provided with the Case Number as soon as the filing takes place.

[MaxedOut]

Thanks for the great information I won't actually be filing for probably another 6 weeks put some time in between my lst credit card usuage. not to mention I won;t have the money till I file taxes. Paramount Capitol for me right now is the most aggressive. They will call 2 & 3 times a day at work several on my cell ugg. Citi started yesterday as well.

What stinks is I sometimes answer the phone at work.

[FreshLikeADaisy]

Maxed, do take the trouble to write the letters. They are known as "Cease and Desist" letters and there are samples you can find all over the net. Google "fdcpa cease desist" (w/o the quotes) and you should find a treasure trove of them.

Just FYI, another thing that often works in practice but is not specific to the FDCPA is writing a letter saying they may contact you, but only by mail. If for whatever reason you don't want your phone to ring at all (and I can't see why you would; you're committed to filing Ch7) feel free to modify that cease & desist to limit their contact to mail. Again, it is not specific to the requirements of the FDCPA, but anecdotally it seems to work fine, since once they get that you're a letterwriter who knows their rights they pretty much lay off the illegal stuff. And if they don't, well, you have your return receipts to prove that you notified them in writing that they could not call you at work. So you're gold either way. Good luck!!!

[MaxedOut]

Thanks for the reply, Ewww you can tell I wrote that early this morning, bad grammer and typo's, sorry about that. I will look for those letters and get get them out registered mail. Hope I ge the right address's for these people .

Thanks