One of the most effective methods used by bill collectors is by relentlessly calling a debtor and demanding payment in an aggressive and obnoxious manner. People will pay just to keep them from calling. Proof that the “squeaky wheel gets the grease”. Bankruptcy will stop creditor phone calls. Creditors must stop all collection activities. Failure to stop provides a legal cause of action against the creditor. There are also federal laws that protect consumers from unlawful collection activities, even without filing bankruptcy.