If the financial strain you are under and the stress of creditor harassment is putting your stress level over the top, bankruptcy can often be an excellent option. Of course you ultimately need to consult with an attorney but in almost all cases it will put a legal end to those threatening phone calls instantly upon beginning the proceedings. The collection agencies in business today have in many cases lost their moral compass with their efforts to obtain money for their employers.
There are laws that protect borrowers from these aggressive collection agencies. The frustration from not being able to pay your bills is enough without having a relentless cold hearted maniac on the phone making it worse. They are ruthless in their tactics and will call around the clock making demands.
Is not uncommon to be forced to change your number to escape the insanity. Looking over your shoulder is a terrible feeling. At this point you might want to seriously consider bankruptcy. The laws are designed to provide you protection from creditors and their hired guns.
