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anyone else on here in major debt and creditors keep harrassing you?

Anyone else on here in major debt and creditors keep harrassing you no matter how you try an get caught up you just can't seem to and they keep comming to your house pounding on your door trying to open it and ringing your door bell for long periods of time. And the further your pregnancy goes the more bills you owe thinking about bankruptcy but the labor bill is going to be alot. What did you or are you doing about it?

 
babydoll845

Asked by babydoll845 at 6:34 PM on Dec. 29, 2010 in Money & Work

Level 8 (209 Credits)
This question is closed.
Answers (6)
  • You can make a payment plan but also if you can't really pay after the delivery you should think about bankruptcy. Also the debt collectors cam knock at your door but they can't open it you should call the police if that happens I had a friend that the bill collector went as far as telling her, he was a police officer and she was going to be questioned regarding a murder investigation unless she call to xy number she came to my house and ask me what to do. We contacted the police department and they call them and let them know that was a felony, since that day they have not try to call her.
    gou18

    Answer by gou18 at 7:07 PM on Dec. 29, 2010

  • Make a payment plan and don't ever miss a payment. Most doctors offices will accept really low monthly payments.
    other_mother

    Answer by other_mother at 6:38 PM on Dec. 29, 2010

  • Bankruptcy is not the end of the world if that is what you need to do. It will mess up your credit for 7+ years but depending on which chapter you file, it also will give you a clean slate. Been there, done that! I suppose you could wait until after you have your baby to figure which route you want to take.
    Izsarejman

    Answer by Izsarejman at 7:45 PM on Dec. 29, 2010

  • Cut up the credit cards for now and just ignore them. Eventually they'll go away or they'll sue you. Don't pay them if you don't have the money. Take care of yourself first- that's food, utilities, rent/mortgage, fuel, and insurance. Then if you have the money worry about paying them.

    Don't promise to pay them if you can't.

    They might sue you. And if they do, then you might be bankrupt. But for a lot of creditors it can take quite a while before they get around to taking you to court.

    In the meantime you can have a garage sale, sell a car, get on a budget, and you or your husband can work a 2nd job to start bringing in more income. The creditors will most likely stop calling you eventually. When you've scraped some money together call them one at a time and offer to settle with them for 25 cents on the dollar. If they won't take it, save up some more money and call them next month.

    You ca make it through this.
    Erica_Smerica

    Answer by Erica_Smerica at 7:49 PM on Dec. 29, 2010

  • I think one time I heard Clark Howard say that if you write to creditors and ask them to stop contacting you then by law they have to, or you can ask them to only contact you by mail instead of by phone. You may want to look up the laws on that, but if it works at least you wouldn't have them calling you/visiting you nonstop.
    missanc

    Answer by missanc at 8:39 PM on Dec. 29, 2010

  • Or u coulda paid ur bills in the first place....
    lstrickland

    Answer by lstrickland at 11:17 PM on Dec. 29, 2010

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