Creditor calling daily

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Question

Country: United States of America
State: New York

my question is I lost my job, and I could not pay my creditor, now aim receiving letters stating am being sued and they will take my bank accounts or what little that I have in there, how do I address this matter, they call everyday harassing me, I do not answer there calls but I have there letters what can I do next..

Answer

See http://www.worldlawdirect.com/article/1412/Bill_collector_and_creditor_problems_--_Stop_abuse.html