http://www.totalbankruptcy.com/blog/sick-of-creditor-harassment-tips-on-dealing-with-debt-collectors/ Bankruptcy and financial news Mon, 13 Feb 2012 03:33:30 +0000 http://wordpress.org/?v=2.9.2 hourly 1 http://www.totalbankruptcy.com/blog/sick-of-creditor-harassment-tips-on-dealing-with-debt-collectors/#comment-3216 xina Mon, 13 Jul 2009 02:22:36 +0000 http://dev.totalbankruptcy.com/blog/sick-of-creditor-harassment-tips-on-dealing-with-debt-collectors/#comment-3216 I disagree with the advice to call your creditors. They don't care at all. I was an excellent credit consumer for 17 years and got sick with a serious neuromuscular disease that totally and permanently disabled me. I was willing to pay a small payment to my creditors for the rest of my life, but they didnt' want that. They told me there was NOTHING they could do for me when I called to discuss my situation. They raised my interest rates - in some cases by 10% or more. They refused to take smaller payments. So I defaulted on all of my credit cards, have never paid anything on the debt and never will. I have no assets and no income other than SSDI. In 7 years I will begin to rebuild my credit - but honestly my credit is irrelevant - as I am totally and permanently disabled and rely on others to take care of all of my needs. I disagree with the advice to call your creditors. They don’t care at all. I was an excellent credit consumer for 17 years and got sick with a serious neuromuscular disease that totally and permanently disabled me. I was willing to pay a small payment to my creditors for the rest of my life, but they didnt’ want that. They told me there was NOTHING they could do for me when I called to discuss my situation. They raised my interest rates – in some cases by 10% or more. They refused to take smaller payments. So I defaulted on all of my credit cards, have never paid anything on the debt and never will. I have no assets and no income other than SSDI. In 7 years I will begin to rebuild my credit – but honestly my credit is irrelevant – as I am totally and permanently disabled and rely on others to take care of all of my needs.

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