Disable brother getting 10 calls a day

by Linda
(Alabama)

Hello,

My question is about credit cards collections. My brother is 67 years old, on a fixed income and has had three heart attacks, diabetic and now renal failure and is on dialysis 3 days a week.

The reason I explained that was because his health is very bad and the constant calls are not helping him at all.

He has two credit cards that because of the health issues he has fallen behind on. He explained this to the callers but they don't care.

He is willing to send 10 or 20 dollars a month to them because he just can't afford any more than that. But of course they are refusing to accept anything but full payment. Well he just doesn't have 100s of dollars laying around.

Is there anything he can do to stop the calls? He doesn't want to rip them off and not pay but he can only pay a few dollars a month. What are his options?

Thanks

Linda

Oh, by the way I am a fellow SBIer. Just got back from the Dallas conference.

Comments for Disable brother getting 10 calls a day

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May 19, 2010
 disabled brother and collectors
by: Gerri

Linda,

Thanks for submitting your debt collection question on our Q&A page.

I am sorry to hear what your brother is going through. It sounds terribly stressful.

It is very possible your brother is what they call "judgment proof," which means that even if the collectors him, there would really be nothing for them to go after.

If that is the case, he can stop the collection calls simply by sending the collectors a letter asking them not to contact him again. We don't recommend this strategy in all situations, but it may be appropriate here. Please read our advice about sending a cease and desist letter before going this route.

What I would suggest is that your brother set up a a free consultation with a bankruptcy attorney to find out whether he is indeed judgment proof. If he is, then those letters may do the trick.

Good luck and please do let us know how this goes for him.

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