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So many people think that if they just don’t answer the phone, the bad collection lady will go away. Well, that is not the case. It really is not the case. In fact, many times, when a creditor doesn’t get in contact with you, you’re put on a call rotation and may be contacted several times a day. Yes, this is annoying. And yes you may be embarrassed, but simply ignoring the problem won’t make it go away.

If you have a plan of action, you may fare better letting your creditors know. If you build a good rapport with them, when issues with your repayment come up, they may be extra willing to work with you. If you don’t have a plan of action, it may be time to get one. Taking a close look at your finances can do wonders in identifying problems and solutions. Getting a handle on debt may take some work but it usually starts with taking time to understand where it came from.

If you have done everything in your power to overcome this struggle and still find no relief, you may need to speak to a professional. Beware of debt relief scams and work with a trusted attorney if you are considering bankruptcy.

If you believe you have been the victim of creditor harassment, the same attorney may be able to help. They can inform you of your rights as a consumer and the limitations of collection companies. With an experienced attorney by your side, you can make the best decision for you and your family and may no longer have to fear the phone.