HARRASSMENT

For starters, turn of the caps...it is considered yelling and is rude.

Who is calling you?? the original creditor? a collection agency??
are you calling them?? or avoiding them....???

You do need to talk to these people, whomever they may be. Even if you can't send them one red cent, talking to them will stop them from calling your relatives. I speak from experience. To say I was buried in debt would be a gross understatement. I was in arrears big time. My co-workers used to get voice mails just about daily from collectors looking for me. I would have 4 or 5 new messages that began with "uh, hey this is so and so, this guy has been calling my extension looking for you, you may want to call him back before he reaches one of the higher ups and tells them that you haven't been paying your debts and he has been unable to reach you. That could get you at the very least reprimanded. Anyway, here is the message". The thing is, at first, it humiliated the mess out of me. Then, it happened so much, I got used to it and it didn't bother me anymore. That right there speaks volumes.

If I had it to do again, I can promise that I would have just answered the phone calls at home. If I would have just done that, they never would have made those nasty phone calls to my co-workers. I know it isn't easy, but you really do just have to bite the bullet and talk to the creditors/collectors. No matter what the situation is. That way, if they tried calling family/friends/neighbors/co-workers, (after talking to you) then they are in serious violation of the law, and you would have them on true harassment charges. Because that could be looked at as them attempting to get other people to pay the debt for you. But, if you avoid them, it does lead to them feeling like they have no other alternative but to call others. Is it right? No. But, it happens.

I do not advocate the behavior of collectors one bit. But, I do recommend regular communication with them. I sure wish I had just picked up the phone when they called me at home. That would have eliminated so much grief. When I was deep in the hole, I had people who had never even had a credit card or been in debt for a second in their lives try and "advise" me on what I needed to do. I didn't listen to them as they had never been in my shoes so their words meant absolutely nothing to me. While I am long since out of debt, I certainly have not forgotten where I was just a few short years ago. I have been where you are. I wish you the best.

i will just respond to them - liase with them - go for monthly repayment or else pay full and them out from our life,.