Ignoring Creditors
I owe a great deal of money to unsecured credit cards . I am receiving many phone calls, but very few letters. I told every agency about my circumstances and why I cannot pay . I answered at first for every collection agency. I am tired answering the phone calls .I just ignore them now. I am fed up repeating my story over and over .There is nothing in the law in canada that states I have to answer my phone is there . They have my address and phone number but I choose to ignore there calls .I have responded to correspondance sent via regular mail also.
Nothing I am aware of suggests you have to answer the phone, or even have a phone for that matter. If the creditors are unable to get in touch with you via phone, chances are your account will simply be turned the accounts over to their legal departments in a quicker fashion, who will provide you notice of court activity and simply proceed with a judgment.
In my experience, ignoring the creditors is rarely helpful and you may want to consider consulting with a licensed trustee to investigate ways to reduce both your financial stress and the phone calls.