You can stop the phone calls at work by mailing the CA a certied RR letter informing them that you are prohibited from receiving or making personal calls at work.
It also sounds like it is time for your siblings to start supporting themselves. Lots of people pay their own way through school. Your brother can get a student loan to finish up. You need to understand that you need to take responsibility first for yourself. They also need to do the same for themselves. Obiously you can no longer support them. Cut them off and tell them it is time for them to stop leaching off you and make their own way in the world. It's not like your their father.
Regarding garnishments, BK. You are going to have to play hardball until your stock options come to term. In order to get a garnishment, they have to sucessfuly win a lawsuit against you. You need to make sure that is delayed as long as possible. You need to hire a street-fighting attorney that knows how to exploit the system to buy you the 6 months you need. A good lawyer will know how to delay, delay, delay. As far as restoring your credit report, don't worry about that right now. There is nothing you can do until you have the cash in hand, and then I doubt you will gain any such concessions. Plan on having bad credit for a few years. Learn to pay cash for everything, including cars. There is a lot more to life than worrying about what some creditor thinks of you. My credit is trashed, but I don't loose a minute of sleep over it. After all, no one I care about cares about my credit history.
