Gay couples, especially those that are in a long term relationship, present a unique set of problems when it comes to seeking relief under Chapter 13 of the Bankruptcy Code.  Gay couples in a long term relationship usually hold the majority of their assets jointly as well as the debts they have accumulated.  This situation is similar to most "married couples".

A consumer being harassed by ‘Debt Collectors' has significant rights under federal law: including the right to demand that a Creditor stop communicating with you.   Under the "Debt Collection Practices Act", a federal statute, there are two (2) ways to stop those harassing phone calls or for that matter any form of communication to you. 

 Life is uncertain that's for sure.  You watch the news and we're told these are scary times and that our ‘banking institutions' have made mistakes and need help - billions of dollars of help.  Where is the money coming from - looks like it may come from you and me.