calls just stopped!

[tofu4you2]

We haven't filed for BK but are planning in the next month or so. Just need to get all our ducks in a row. Yesterday the calls just stopped. Ater months of incessant phone calls from cc's and collections agencies, the phone only rang twice yesterday. Any reason for that? Is is the calm before the storm? It has been just over 6 months since last paying on my cc's. Most have gone to charge offs. We've had our share of nasty collection calls- they even called our neighbors! But now its so quiet. Just wondered if anyone had a thought!

[magyar123]

Could be because they're finally in the process of suing you.

[AboutToBK13]

We went through highs and lows in the phone calls. We had weeks were we would get 15+ a day and then weeks were we got nothging. Typically it corresponded to sending the debt to the next level of collections.

If you are filing soon, I wouldn't worry to much. Odds are, you will bet the creditors to the court house if they are deciding to sue you.

[ssdsco]

We haven't filed for BK but are planning in the next month or so. Just need to get all our ducks in a row. Yesterday the calls just stopped. Ater months of incessant phone calls from cc's and collections agencies, the phone only rang twice yesterday. Any reason for that? Is is the calm before the storm? It has been just over 6 months since last paying on my cc's. Most have gone to charge offs. We've had our share of nasty collection calls- they even called our neighbors! But now its so quiet. Just wondered if anyone had a thought!

Same thing here. I'm at about 8 months past due with 20 creditors for some big dollars. About 15 accounts have gone to CA's. I've requested debt validation from all over the past 3 months and told them to stop calling but it's strange they all stopped on approximately the same day.

Maybe they're all at a convention in Vegas running up thier credit cards on gambling and adult entertainment.

[DivorceRuinedMe]

The calls stopped because they are switching you to a different status within their systems....be it moving from internal to external collections, selling the debt or suing you. If this is the first time the calls stopped, I'd say that they aren't at the point where they will sue YET, they are just moving your status in their system. Don't sweat it b/c they will start back up in a few days inevitably.

[debtmonster]

I am so glad to have the GrandCentral phone. I remember getting TONS of nasty phone calls back in the early 1990's from that other recession with George Bush, Sr. running the show.

Now I don't get any calls. For one thing, we have changed our phone #'s like 5 to 7 times since we started establishing credit. We moved and I don't think we updated the phone #. So the person who has my old phone # is gonna get a ton of calls.

I've been updating all of our creditors with the new GrandCentral #. I love this thing so that people can still reach me, but if it gets to the point where they are rude and annoying, I log into the web site and either click "block" or "spam" and then my phone doesn't even ring when they call. The thing I like about GrandCentral phone number the most is that I can still give out my same phone # to a ton of people without having to change my number all from a few bad people. Family and friends can still reach me but nasty collection agencies can't since the phone system acts just like having a butler. I think you can even set it up to block numbers that don't have any Caller ID listed.

[MaxedOut]

Weve already filed and I still get phone calls

[debtmonster]

Calls

Yeah, that does suck. I remember a long time back somebody using their AMEX and took a trip to Hawaii. Somebody from AMEX called after they did the BK and left a message yelling, "Hope you enjoyed your vacation" and slammed down the phone.

This is why I am so glad to have the Grand Central. We do not have long distance on our home phone. With Grand Central I have all of the numbers in the address book. I click "call" next to the person I want to call and instead of our real house phone showing up on the caller ID, the Grand Central number shows instead. Grand Central calls my house first after I click "call" on the web page. Then it 3-ways a call to the person I call whether it be a friend, relative or returning a call to a collection agency who has Caller ID... and from what I can tell, many collection agencies have Caller ID and use it! I know when I use Grand Central to call HSBC, they recognize my phone # on their Caller ID and automatically log into my account based on the number I am calling from.

So when worst comes to worst and creditors and collection agencies start flooding us with calls, I will simply drop all of their calls to voice mail. My health is tanking and I can't take the stress of having screaming matches with collection agencies any longer. We did this for a collection agency who started calling us recently about a repo I had back in 2003 to Kia. I was married back then and became evicted and my unemployment ran out. I had to move in with my sister since I was homeless. Capital One and tons of other people started hounding me and sending me nasty-grams. I had no power to do nothing back then since it was the DOT COM fallout.

A friend of mine told me the stock market is tanking. I just checked MSN.com and see the stock market tanked another 100 points yesterday from the gloom and doom news.

That's more proof to why I can't find a job. I will need to write long letters explaining my situation to all of my creditors. Then I will go to like 5 news sources showing them all of these web pages and include printouts to go with my letters so they know it's just not me.

[seanf12]

How does someone go about getting GrandCentral? Looks like it is a closed beta offering

Thanks

[debtmonster]

How does someone go about getting GrandCentral? Looks like it is a closed beta offering

Thanks

You need to find somebody who has open invites left. They only give you 10. And if you put an email address in there that's incorrect, you blow it. I used up mine. I am so mad that many of the people I sent invites to never used it and ended up wasting it.

I need it mostly because we do not have long distance. I get free long distance using their service because they do a 3-way call. They call your house and then they call the number you wanted to call, all the while, not showing your real phone #.

Also, if somebody wants to reach me, it's also fantastic. If I am on the road, the same number reaches my cellphone. When I am home and the cellphone is out of range, the same number calls my house phone. And then if the call was a telemarketer or collection agency, I simply log into the web site and block their calls by giving them the simulated disconnect tone or it can go straight to voice mail... all silently without disturbing me at dinner time, etc. It's a real shame that the phone companies don't offer this service.

[mysterie91]

I was going to ask this same question.

We had been getting 24 calls a day from the same number on our caller ID (but no messages left on the phone answering machine) and for the past week the phone has not rung at all. It's been just about 7 months we have not paid any CC's so I am figuring they must be sending these out for collections or getting ready to sue.

We are ready top file as soon as we get our tax refund and get it spent or when the summons comes-whichever is first.

It's almost more stressful wondering what the CC companies are upto.

[debtmonster]

I was going to ask this same question.

We had been getting 24 calls a day from the same number on our caller ID (but no messages left on the phone answering machine) and for the past week the phone has not rung at all. It's been just about 7 months we have not paid any CC's so I am figuring they must be sending these out for collections or getting ready to sue.

We are ready top file as soon as we get our tax refund and get it spent or when the summons comes-whichever is first.

It's almost more stressful wondering what the CC companies are upto.

I have zero problems with collection agencies. They usually contact me ONE TIME and then I send them a written letter in the mail showing the law and then they stop cold turkey. It doesn't work with the creditors, but it works with the collection agencies each and every time. I've used this letter myself for years and have tried it with friends. If you're getting calls or nasty letters, all you need is a $.41 cent stamp and a signed letter and those people will be off your back. You just need the name, address and account # with the collection agency.

When Wells Fargo repo'd my other car in the beginning of 2007, they sent the $10,000+ to a collection agency. The collection agency wrote to me demanding the money. I sent my letter to them and have never heard a peep ever since. Right now it's cheaper to buy a $.41 cent stamp (which I have a bunch of those already) than it is to pay the BK Lawyer $1600 here in my town.

I don't want the letter here in public. If you want to send me a private message with your email address, I will send you the Word doc I use. All you have to do is fill in the information in the "[" and "]" with your own and mail it off. This can help people as a temporary solution until it's finally time to do the bankruptcy.

If people are calling you on the phone, you have to ask for the name of the company, the person, the address and the account #. Act as if you were going to make the payment to the collection agency. Then you can also keep this information on record when you file the bankruptcy. That's what I've been doing. As of a couple days ago, I am now building a spreedsheet with all of the information. I read that Bankruptcy PDF that somebody here posted and am trying to slowly gather all of the information for the bankruptcy lawyer so he has everything he needs as soon as I walk in the door. Then I guess I will have to pay $400/mo. until he gets all of the payments to finally file.

A lot of people on here have posted great solutions to many of my problems.

[sisterfunkhaus]

Could be because they're finally in the process of suing you.

Chase is suing us and they still call a zillion times a day.

[debtmonster]

Chase is suing us and they still call a zillion times a day.

Is it within 90 days of you being in default? Why are collection agencies not calling you instead?

[Cali]

I also am a Grand Central user, the best thing ever.

We are only 2 months late on payments, so there hasn't been that many calls.

We retained/paid an attorney, but don't want to file until the summer.