A very effective way to stop the phone calls is to know your rights. If a caller threatens to sue you, judgments are normally as easily dischargeable in bankruptcy as credit card debt. After you have decided on bankruptcy, this threat really has little meaning. Additionally, if your only income is from social security or disability a lawsuit will do little to help collection efforts. At this point you may be judgment proof and may not even need a bankruptcy. Jim Gaudiosi will help you filter through the laws and tell you whether or not bankruptcy is a good option for you. If bankruptcy is not for you, Jim Gaudiosi will let you what your options are. Call today for a free consultation.