Received Another Call Today

I received the following call at work today:

*ring*

Me: Hello..

Stranger: What is the name of your attorney?

Me: What?

Stranger: I need to know the name of the attorney representing you.

Me: Who is this?

Stranger: I am calling from *** to collect payment for a past due bill.

Me: First of all, this is my work and do not call me at my place of employment again.

Stranger: That is fine, ma'am. What is the name of your attorney?

Me: I do not have one yet. I will be signing with one very soon.

Stranger: So you don't have one?

Me: ...

Stranger: That is fine, we are going to sue you for the amount of $*** that you owe our company. Good luck.

*click*

She completely hung up on me. She never gave her name. She didn't leave her number.

I'm scared.

If I could claim bankruptcy right at this moment I would. I have to have these calls stopped. I can't afford the money I need to give to my attorney. I won't be able to afford it until I receive my tax refund. The early part of February is when I will receive it.

Will I be served with papers before February? February is four months away. If I am served with papers before then I will need to hire an attorney and I can't do it until February!

Also, when you are served with papers do they do it at your work? Will a policeman show up here and make me sign them? Do you get them through a certified letter in the mail? How does this happen? Were they trying to scare me and then they'll call again later hoping I'll have the money and drag it out more before getting an attorney after me?

I really cannot stand this. I never thought I would ever be in this situation. I never thought that I would be faced with bankruptcy and I certainly never thought I would be wanting to do it as soon as possible.

OMG...what has my life come to?