Ask the person who is calling, company name, original creditor and request for debt validation to send to your address. Write everything down your conversation on what time and who's the person you talked to.
calls about a 2 year old cable bill, will not accept that I am filing chapter 7 on this debt, keeps calling saying she needs a payment or garnishment will follow.
I have a msg on my answering machine for whoever is calling to say who they are and who they represent or they will be considered as Spam.
These people say only that they have a business matter to discuss and are not solicitors- skirting around my instructions.
Their tactic is to blind side you by having you call and start threatening your financial health before you can get your billing in front of you and be on an equal basis with them when you negotiate the problem.
They treat you like you're a second class citizen.
BTW- all my known bills have been paid or a payment has been made to the account.