When it comes to collections, bill collectors believe in equal opportunity harassment. If you stop answering your phones, they don’t care. They’ll just start harassing your family and friends; but it doesn’t stop there. Next, they’ll start calling your job and speaking to coworkers until they’ve embarrassed you just enough to convince you to call them back.
They usually gather this information from loan applications where you’ve listed friends and family members as references. Fortunately for me, all my friends have their own credit and debt issues so I never have to worry about them being harassed by debt collectors looking for me because they don’t answer their phones either. It just works out.
I know it may seem like all my friends are credit deadbeats but they’re really not. They just ran across a few bumps in the road of life just like the rest of us. They’re working very hard to improve their credit and financial status... and that’s all any of us can do. Just take it one step at a time.
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