Creditors who harass people about their outstanding obligations just do not seem to get it sometimes. If someone does not have the money to give them, they cannot pay the creditor even if they wanted to. Thankfully, there is a solution to stopping the phone calls all together. Once you file a bankruptcy, the automatic stay provision in the Bankruptcy Code goes into effect immediately.
Filing a Chapter 7 or Chapter 13 bankruptcy stops the phone calls. The creditor is prohibited from taking any further action against the debtor without first getting permission from a federal bankruptcy judge. If the creditor fails to obey the automatic stay, then the court can sanction the creditor.