When Creditors calls you, what do you usually do?

She needs to talk to them ASAP. All creditors want is for you to pay your due bills. She can make an arrangement with them. They don't have the right to refuse, even if she can only give them 20$ a month, they have to accept. Tell your friend to not let them scare her by saying they're gonna cease her belongings, as long as she gives some money, they can't do that. It's one of their tactics, to scare people in to giving the money, but if we don't have money then, we won't have anymore once they scared us right? But she should definately make a deal with them.

Well,I have faced this problem & my initial response was exactly like your freind's.But creditors are always persistent.The best way is,I am telling you from my experience,that one should have a talk with them and work out a solution taking them into confidence.

my boyfriend's mom is sort of in the same situation, except it's because of my boyfriend's brother and he has moved out. the one time we were there my boyfriend answered the phone and told them that his brother no longer lives there, 10 minutes later they called again, and he said that he doesn't live there anymore and if they keep calling that house, that he would call the police for harrassment charges. they haven't called back since that day. i don't have this problem so i don't have to deal with it.

If I could, first of all I will not bother to help but because she's living with you then you have no choice but help her. First you must confront your housemate and ask her to speak directly to the creditor and not use you as a shield. Tell her she shouldn't involve you in her trouble because she was the one created the trouble and not you. Then you can help her find a part time job so that she can find a new source of income. Discuss with her to pay one bill at a time if she couldn't afford to pay every bills at one time. For example, this month she must clear up her electricity bills. Next month water bills and the next month telephone bills. She must make some sacrifice to her food, clothing and entertainment while she is paying all these bills. For example she must avoid eating out, avoid going to cinemas or buying cd's or purchase new clothes and cosmetics, etc. She must learn to save as much money as she can. Always make the bills as the priority. The first thing she must do on her pay day is pay the bills. Then she must learn to spend the little money left to survive for the month. I know this sounds cruel but in critical times like this, this is the only way to survive. Don't worry this situation will get better the minute she settled all the delayed bills.

Someone that I know was foolish enough to get a cell phone for a friend on his own account. The friend's phone had its own number and a separate bill. The friend racked up close to $1000 in charges and then cancelled the phone, leaving the bill unpaid. Naturally, MY friend was held responsible because the phone was purchased under his name and credit information. Problem was, he didn't even KNOW about the unpaid bill until it was turned over to a collection agency for non-payment. Your friend should really try to speak to the collection agencies, rather than running from them. If the amount owed has been outstanding long enough to go to an agency, they are often authorized to accept a payment of less than the actual amount due, just to get "something" and clear part of the debt. In my friend's case, the collection agency accepted 50% of the amount in regards to the cell phone. He paid it off and the collection agency was satisfied. No more calls. The National Do Not Call Registry, by the way, is only an opportunity to limit phone calls from telemarketers (for profit, commercial calls, United States)... and collection agencies aren't telemarketers. If your friend really does have too many unpaid bills, she could try a credit counselling service. They might help her to consolidate everything she owes and she could possibly just have to make one payment per month, which contributes towards paying off the creditors. It might make her feel a lot less stressed.

i usually say i can not pay my credit card right now because i don't have the money for it and then hang up.

We used to have a "friend" that lived with us and the same thing was going on. They would ring our phone and I would take a message. When they called again I would tell them that I just rent a room to him and I'm not responsible for him. I also let them know that this is not their phone and they have no business calling here. I ended up giving them his work number so they would stop calling here. Technically they can only call your job if you give them permission.

Isn't their some sort of "Do not call" regestry? That if a creditor or some company calls, you tell them to stop calling. If not, they can be sued or get into some kind of trouble. Also, she can tell them to only contact her through the mail. Otherwise it's harrassment.

My friend has this problem, with creditors calling for her brother. She got caller ID and private call rejection. So when she see's a 800 number, she does not answer. I put myself on the "do not call" list, where telemarketer's can't call you, it's not the same as creditor's and thankfully I pay my bill's, so they wont come after me. Good luck

please tell her not to ignore the creditors.if the creditors file case after a deadline,the cops will find her thats for sure and moreover she might have to give extra fine to them.so please tell her to contact the creditors and make an agreement with them to pay in small installments.that would be the best idea.thanks

If I have the money to pay whatever bill they are representing, then I or my sife answers and we pay them. Some times we even call them to pay once we have the cash. If not, we usually either don't answer or answer and try to explain our situation. Sometimes they are helpful and somethimes they demand at least some payment. Alot of them ar rude, but if you get rude back sometimes it calms them.

I have one creditor that's after me. I subscribed to the sunday paper and after a couple weeks they started giving me the daily paper with a slip that said you've been chosen to be upgraded to a 7-day subscription for 13 weeks at no additional charge. Apparently I didn't read the fine print that said when the 13 weeks is up, we'll automatically resubscribe you unless you call to cancel. I never asked for it so I'm not going to pay them. If they would have just kept giving me the sunday paper like i asked, they'd still have a customer to this day. Now, I'm on a personal mission to make sure they spend more money on having people call me than I owe them. It seems like it's just an auto-dialer that calls me, but if I pick up and make any noise, a real person answers. I just let them listen to the tv while they keep saying, "Hello...hello?" I figure in a few more weeks they'll have spent $21 paying people to say hello, cancelling out any benefit they would have gotten from me paying them. I don't really care what damage that small amount is going to do to my credit rating, it's about principle at this point. People have told me to just say they have the wrong number. I might try that out if they ever take a few days off from calling me. Right now, they're calling me two, three times somedays, and not at all others.

well first thing i never keep ues of any one since i feel it as a burden unless i am clear with all the dues , but if i ever have any creditos they wont trouble me too much since they knows my goodwill and they know tht they will get their payments by the due dates

Go to the website www.donnotcall.gov Register there to get rid of telephone sales callers. It will take about a month for all sales calls to stop. Collection agencies do not all respect this list but many do. When they call. Ask for their companies name and address and their name. When they ask why tell them your lawyer has instructed you to collect this info because the person they are trying to reach does not live there and he is filing suit. If they say sorry and try to hang up tell them they are required by law to provide you with the information. I'll bet that's the last call you get from that company. Or you could just change your phone number to an unlisted.

I never have debt before so I don't have any experience in regards to that matter.

Maybe you should talk to her and if she cant pay yet her unpaid bills she should sign for a promisory note for then not to call often on your house. I also had experience on that in our office when one of my office mate dont want to pay her credit card she ask us to always answer the phone for her and tell she is not around I dont feel also comfortable on that.

I don't have any problems like your friend here and I don't ever think I would put myself in this kind of mess.

That was he problem .... Lol.... But why always humankind wanted to make itself and some difficult for example to be your friend, better did not have than had by means of credit, but when feeling well-off that it's alright, but when could not and forced want to had althought by means of credit had finally been the difficulty for himself.

We had a similar problem when we let a friend of my wife's sister move in with us. she seemed like a decent person, and the arrangement was she was going to take care of our daughter during the day in exchange for room and board. Due to some other circumstances, this didn't work out, and we had to ask her to move out. What we didn't know is, she never changed her phone number and address with her creditors, so even now, I still occasionally get calls when she's delinquent on her bills. First it was a credit card, then student loans, then the car...Not good. Luckily, I've been able to explain to these people that she no longer lives with us, hasn't for almost two years, and that we frankly have no idea where she is and what her telephone number is. I don't mean to sound racist, but I will say that the ONLY people who have put up a fight when I've told them not to call our number anymore are African-American-sounding women. Otherwise, everyone else just says "Thanks", and we never hear from them again. At the same time, it's true...Your friend needs to talk with the creditors and try to work something out. Also, realize that a lot of times, the collection agencies are independent contractors hired by the creditors to collect from you. I'd suggest she call each of her creditors (take the initiative for once), and ask to speak preferably to someone in a supervisory/management position, not just some customer service rep. Explain the situation, be apologetic and contrite about not taking their calls in the past...And see what kind of payment arrangement she can work out. Also, any arrangement that is worked out, she should have the creditor put it in writing and send her a copy so that no one can come back later and say "Well, there's no record of John telling you $20 a month is acceptable" or something like that. At the same time, once an arrangement is met, she needs to honor her end of the bargain. Also, (just personal opinion here) NEVER use their check-by-phone systems...Pay online if possible, or mail your payment. I say this because most creditors I've known, for some reason, will take payments free of charge at their websites, or you can do it through your own bank's online billpayer, but for some reason, they all charge $5 to $10 if you make the payment over the phone...Sometimes it's charged to your credit account, sometimes it's charged to your checking account as an additional fee. Just a small tip...

Thank to them nd explain her side of the story.. running away from them will not do any good