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 call your family and friends. When that doesn’t work, they’ll call your job. They’ll do whatever it takes to get you to call them back.
Typically, information is gathered from loan applications where you’ve listed friends and family members as references. As for myself, I only list friends that are going through their own financial turmoil so I never have to worry about debt collectors calling them looking for me because they don’t answer their phones either. It just works out.
Having bad credit is nothing to be ashamed of. There are countless others who’ve used poor judgment and made bad financial decisions. Bad credit is not a death sentence. With the right amount of focus and commitment, anyone can improve their current credit and financial status in just a few months.
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