Topic: Phone calls that should have stopped because I went bankrupt but didn't

[Darrel999]

I filed bankruptcy last year and for the most part all my collection problems went away. No mail or phone calls except for one, Credit Card Services. They robo call me all the time. When I do talk to them and tell them I went bankrupt they promise to take me off the call list. But of course they never do. I tried complaining to the phone company but they will not help and the worst part they are not trying to collect a particular bill but are pitching a way to lower my interest rates on credit card debt I no longer owe. Anybody got any idea how to get this company off my back?

[Admin0619]

I filed bankruptcy last year and for the most part all my collection problems went away. No mail or phone calls except for one, Credit Card Services. They robo call me all the time. When I do talk to them and tell them I went bankrupt they promise to take me off the call list. But of course they never do. I tried complaining to the phone company but they will not help and the worst part they are not trying to collect a particular bill but are pitching a way to lower my interest rates on credit card debt I no longer owe. Anybody got any idea how to get this company off my back?

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[NotBonJovi]

If you had a bankruptcy lawyer, s/he should be able to help you with that.

Are you sure whatever debt in regard they may be contacting you has been discharged?

Otherwise, send them a DV or similar letter via CMRRR. Let the fun begin.

[Fighting Irish]

They're probably telemarketers.

Read up on the FCRA.

[Scarygirl]

They are telemarketers.

[KFMAN]

It's a scam.

[NotBonJovi]

I'm going with they are probably telemarketers, and likely a scam.

[Fighting Irish]

 

[arnanda]

Darrel999:  What company are they calling from?

Are you sure it's the same company you've had a previous business relationship?  The FTC allows them to telemarket you 18 months after closing accounts with them. 

I would recommend recording the calls, and getting their address.  I've sent letters certified mail return receipt requested (CMRRR) requesting no more calls to be made for telemarketing services from current creditors. 

However, there are some scam callers that will ask you several questions---they want to lower your interest rate.   They want to know what credit card company you bank with.  They want to know the interest rate, and want to know the card number and expiration.  They're supposedly calling from your bank.  Those are scams, and you'll probably not get any information from them.

[KFMAN]

We get these calls daily and it's very hard to trace them.

[nobk4me]

They are not an actual creditor or debt collector.  They are scammers or telemarketers.

I get these calls a lot.  I let the answering machine take them.