Tell the creditor in a firm voice "DO NOT CALL THIS NUMBER AGAIN". It is a violation of the Fair Credit Reporting Act for them to continue to call you. They can be cited for it. Ask to speak to a supervisor.
Yes, I understand that certain states (Texas, Michigan, California) have state laws that prohibit original creditors from calling you once you have addressed them in the proper manner.
letter of clairity
No. If you file bankruptcy, you are basically telling the creditors that you don't have any funds to pay them. Your finances are being held by the court and the lawyers will tell the creditors that you filed bankruptcy. You are still responsible for the debt. WRONG! If you file bankruptcy and file a chapter 7, if the judge approves your appeal all your credit card debts are erased, and creditors have to stop calling and harassing you. If you file a chapter 13, you are still responsible for a certain portion of your debt, to be paid over a 5 year period, and creditors have to stop calling and harassing you.
Unfortunately, that won't work. If they are harassing you, then you can definitely stop them by hiring a lawyer but it is their right to collect on debts that went unpaid.
Creditors have a statutory period during which they may make a claim against an estate for an outstanding debt. Creditors who file in a timely manner must be paid before distribution is made to the heirs. If there is no estate the heirs are not liable to pay the debts of the deceased.
Stop Calling Me was created in 2001.
You can't. Any property titled in the deceased name will be included in probate proceedings. The assets will be totaled up and debts will be paid, secured debts having priority. Some property is not subject to probate or creditor attachment. State statutes govern what is included in the estate and what can be exempted from liquidation in paying creditors and taxes.
Stop Calling
Stop calling
Send them a certified letter demanding that they stop, and further demanding that they only contact you via the mail. Advise them that they will be in violation of the Fair Debt Collection Practices Act if they do so.
simply and politely say stop calling me and tell the reason why.
People who are older than you will never stop calling you young.