Bankruptcy Law Questions? Ask a Bankruptcy Lawyer.
Hi - my name is Roger and I'm a Bankruptcy litigation attorney. Thanks for your question.
It's fairly easy to stop the creditors from calling. You have a right under the Fair Debt Collection Practices Act to write the creditors a letter and demand that they cease to contact you. The creditors are required by law to stop. HOWEVER, when this is done, they usually switch gears and proceed directly to filing lawsuits to collect.
The BEST way to repay creditors on your terms and to stop any collection attempts, fees, etc. is to file chapter 13 bankruptcy. With this filing, you would be allowed to set up a repayment plan that you can afford and make payments through the bankruptcy trustee. Here's a good link you can read about how chapter 13 works: http://www.uscourts.gov/FederalCourts/Bankruptcy/BankruptcyBasics/Chapter13.aspx
If you want to go this route, you certainly should consult a local bankruptcy lawyer about getting a petition filed on your behalf.
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