Some of the best advice a bankruptcy attorney can give is about timing: when to file. In many circumstances, we advise our clients to wait until a date certain to file, and to maintain the status quo until then, which often means dealing with a deluge of creditor and bill collector calls.
Just this morning, I e-mailed back and forth with a client who wants and needs to wait until this fall to file his bankruptcy case. He said that he’s getting constant calls from bill collectors at work, which is obviously never good. We discussed his right to mail a letter to his creditors, instructing them not to contact him by telephone. The Federal Trade Commission has an excellent page advising of this right, and how to exercise it, step-by-step; it also answers many other frequently asked questions about the federal Fair Debt Collection Practices Act.
Yes, you can find templates for cease and desist letters online. Use such templates at your discretion–this is not legal advice.