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Can I Just Tell The Debt Collector That I’m Going to File Bankruptcy to Stop Calls? – Stephaine


“Dear Steve,

I have debts and get calls all day long, but I’m to far behind to pay any of them. I just started back working part-time recently and I’m already about to have a pre confrence with another debt collector,but I know it will be more summons to come from others.

Can I tell debt collectors that i’m filing bankruptcy?


Dear Stephanie,

Well you can certainly tell them that you are planning to file bankruptcy but that’s not going to matter much. People lie about doing that all the time. What you really need to do is provide them with your bankruptcy case number and attorney information and that will take care of things.

Please update me on your progress by posting updates here in the comments section of your question. I’m very interested in how this works out for you.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

P.S. Be sure to read ‘The Secret of Surviving Through Difficult Economic Times. What I Learned On My Journey‘.

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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.


  • I would like to find out if i need to respond to a formal demand to pay a 2nd mortgage loan from a credit union, stating that I am filing bankruptcy in December. I can’t file bk until December since my 1st filing is less than 8 years before then. Do i tell the attorney that I’m filing bk on my response or just don’t answer the letter. I have 30 days to respond to dispute the validity of debt. I am not disputing it, I’m just simply not sure what to tell him.

    Thanks for your help.

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