How can I make creditor calls stop?

For many people, the worst part of falling into debt are the incessant calls from creditors and collection agencies.  Computerization of the phone call process has made it very easy for them to call immediately and repeatedly.  Collectors sometimes start using insults...

How do I pay for a bankruptcy?

Cash on hand. Stop paying bills for unsecured debts that your bankruptcy will wipe out – credit cards, hospital bills, etc. Stop making payments on things you’re going to surrender or foreclose on during or after the bankruptcy – homes, extra cars,...
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