And so it begins...

[uptomyears]

I didn't make my Discover payment 6 days ago. They called 3 times today already in the last 5 hours. Should I call them and explain or just let the machine get it?

[liz417]

Have you retained an attorney? Do you plan to file BK, if so when? I told my creditors as soon as I retained my attorney, the same time I stopped paying the CCs.

[uptomyears]

I spoke to one but didn't retain yet. He says Ch7 for me is a piece of cake.
I didn't expect them to be that aggressive yet. Good grief, I just got my Jan. bill. Dec. was due the 23rd. I've never been late before maybe thats why they're calling. I can't wait till Feb. when I stop paying the other 4. Luckily they're not due until the middle of the month.

[liz417]

I spoke to one but didn't retain yet. He says Ch7 for me is a piece of cake.
I didn't expect them to be that aggressive yet. Good grief, I just got my Jan. bill. Dec. was due the 23rd. I've never been late before maybe thats why they're calling. I can't wait till Feb. when I stop paying the other 4. Luckily they're not due until the middle of the month.

Yeah, mine ccs started calling about 2 weeks after they were past due
Just send the calls to your attorney.

Good Luck!

[catleg]

If you pick up the phone and just talk to them they'll go away for about a week in the early stages. Otherwise the phone will keep ringing and ringing and ringing. As you cross each 30 day threshold after that they get a little more persistent. It's most painful when you have 30+ credit cards..trust me on this.

[kls4c]

I was late 4 days on Citi and my phone starting ringing off the hook. It annoyed me so much, I decided to call my creditors to let them know, the calls slowed down but didn't stop completely. I also had the ring shortened to go into voicemail and turned my ringer off.