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I can't pay my creditors as I'm on disability (not Social Security) and I can't probably even pay my mortgage. I can't pay my creditors at all, until I get a job, which I hope to be within the next few months, once I'm off disability. I owe money to five creditors. How often will they call me each day? I could change my phone number, but then that is a hassle. I have a cell phone and a regular phone. My guess is that each creditor will call me up to five times a day, even if I answer my phone and talk to them? I have bipolar, anxiety & depression, so I'm sure this will aggravate me horribly. My voicemail box will wind up being full all of the time and I will have to keep my phones on silence. My friends won't be able to get hold of me then. If I call my creditors and tell them that I can't pay my bills for now, will they still call me all day? I can go through credit counseling, but still, I can't even pay anything to my creditors unless I decide not to pay my mortgage, and even then, I may not be able to pay my mortgage. Thx.
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