Ive had perfect credit all my life. Ive never missed a payment, and usually pay early and pay more than the minimum.Now, I have become unable to work, and have applied for disability. I have now missed 2 payments. I voluntarily put a stop on my credit cards so that no more charges would be made on them, and called the companies to see what I could do about the missed payments. Now, you would THINK that they would at least be kind about the situation, but heck no. They have been downright nasty with me, and I cant understand this. I have an appointment with a local non-profit debt management organization. Other than this, what can I do? And just what do the companies expect from me?I do not even care if it hurts my credit. I accept the reality that my hardship will necessarily hurt my credit. Its unfortunate, but I accept this totally. It was my own bad planning to run up credit card bills and not consider that I may not be able to work in the future. I accept responsibility for all this, and want to do what I can, but Im getting absolutely no cooperation from them at all. Now they are calling me every single day, and each day I kindly tell them the same thing. They say they have documented our conversation, but then they continue to call each day. Why are they doing that? Dont they know you cant get blood from a turnip? And half the time, they call me, and immediately I am asked by an automated voice to hold. (they call ME and I have to hold? huh?) Then after I wait for a long time, I get this beeping like theyve hung up on me. What the heck?! I would call back, but the number is not a toll-free call and I simply cant afford to wait for a long time on hold with a long-distance call.
      Answer1:If youre asking for a credit card, loan or mortgage you may want to check out your credit standing initially in order to save uneasiness plus failure. Youd better obtain a free-of-charge credit rating online at http://roricisg.ovidioglopez.com theyre first class, plus theyve been shown on television.
      Answer2:First of all, its just business. Its not about kindness, but a result for the people who have to contact you or when you contact them. Part of the job and lets face it, everyone is human and thus judgmental when it comes to money management. Forget the blood from a turnip idea; thats just an attitude you cannot emotionally afford right now. Someone else can say it, but they dont have the problem you do. Although you wont benefit from being down on yourself, you must face reality. Also, remember, this most likely is temporary and you are NOT the only one who is hurting right now. Most everyone has a financial problem these days and most dont have rich uncles either, just like you dont. You are going to be ok but it is time to be serious. as well.When a company is not being paid and starts to call you, its just an office full of associates completing their daily call assignments, Its not like you get an assigned counselor or similar. Each one takes a few notes. not good ones in most cases, and when you are handed off a day later, its just another call that has to be made by whomever gets your account record. If its an emotional strain that will keep you from getting better, it might be a good idea to avoid speaking to them until you have a better sense of your plan to pay them. Dont see it as running from them as they will label you that anyway; be honest with yourself. You need to get better, you need to look for any benefits that are available to you, and you need to do the best you can to manage and distribute your resources carefully. Take care of housing costs first, then work on lowering your food costs; accept a meal when offered with appreciation and offer to do something in return when you are better. You may need to make tough decisions regarding your other expenses, ie, cable, cell phone plan, gasoline consumption. Your social life expenses will need to be curtailed. Try to pay some on your bills as you can and even though its not earning you any points with the creditor, encourage yourself that you are doing the right thing. Work on it and dont give up! Best wishes!
      Answer3:they dont give a $hit bout nothing but getting their money back. they dont care what your situation is. theyve heard it all before. they are trained to become emotionaly detached from the debtor. the debtor is their enemy. squeeze whatever you can from them. if you tell them you lost both legs and an arm in a accident theyll tell you to borrow the money from a relative to pay them off. sell everything you got to pay them. uck hem maybe you can hold them off till you get disability then let them sue. they cant touch it. if it goes to court make sure you have nothing in any bank accounts and get the paperwork to the bank that says disability is your only source of income. good luck.
      Answer4:Unfortunately, no they dont. No one cares if were responsible, but its a good thing to be responsible so you can cover your own butt. Unfortunately, disabilities happen, its best to come up with some type of settlement and since theyre being so nasty, hopefully the non-profit org would help you out there. Usually most people can do that on their own, call up and negotiate with them. If it were me, Id turn off the phone for now or screen my calls and avoid the collectors.