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Already In Collections
Are you already in collections? Are the phones ringing off the hook with people asking you for money on debts you owe? If so then you are probably in collections already.
Sometimes the stores that are owed the money will try and collect from you themselves up to a point. They are usually a little less aggressive than the collections agencies but still it can seem a little like collections.
When an individual is behind on their payments with any creditor the first month usually goes by with little more than a late notice or phone call. The second month will follow with more phone calls, notices, and perhaps an interruption of service. The third month is usually where collection actions are threatened or perhaps started.
Once in collections the phone calls begin. Calls at work, calls at your spouses office, or even worse, calls to family members or friends looking for you in regards to a debt. It only gets worse until you speak with them and then, that's only the beginning.
Avoiding collections is a smart way to go. Look into other solutions before you ever enter into collections. Debt counseling is another excellent way to stay out of collections.