MKD asked:

Because of the real estate collapse last year our business went bust and we are unable to find other jobs. Because of that we got way behind in credit card payments. Tried to work with the credit card companies to no avail. We were turned over, well we all know to whom. Creditors Interchange keeps calling us leaving messages on our answering machine stating that they are going to start legal proceedings-I have 4 of these on the machine. They gave no mini-miranda. Sometimes they did not identify themselves. Can they legally do this? Should I keep these messages to file a complaint? Any suggestions as to how to handle this. I know the debt is ours and we just do not have the money. We are also loosing our house to foreclosure and wll be forced to file bankruptcy. So please do not tell me to pay the bills because I cant at this time. Just want to know if what they are doing is legal since they did not talk to anyone in person.

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