Any debtor being called by a debt collector has the right to advise the debt collector that the debtor wants the collector to “cease and desist all collection efforts”.  A federal law called the Fair Debt Collection Practices Act (FDCPA)...

One of the most important and basic elements of the Bankruptcy Code is the automatic stay which comes into effect the moment a debtor files for bankruptcy.  Automatic, immediate – an injunction against all your creditors to stop collection efforts. ...