please...help help... they called my work 3 times today...

[seamoonil]

Depends on the creditor. Expect your phone to show a ton of calls every day; I had 50+ calls in one day (my all time record, and I am only behind on five accounts.) I have the ringer off. One has already had a collection agency at around the 90 day mark, but it would appear to be a letter writer CA...the payment is to be sent to the OC. I got almost no paper mail....they can't intimidate you into paying that way.

If you have not changed to a number they know is yours they will call all the ones they have on file for you until they have success. If they don't have your cell phone but you return a call on it, they now have it. What can ultimately happen depends on what state you live in, but they probably won't use legal recourse in the first six months.

Your mileage may vary.

I believe is better give the the cell phone right? because if they don't have the number; calling at work is not cool! For them does it make any diference if I chose answer the call or not?

[newbie2]

When you are at work and they call inform them that you are not allowed to have calls while you are working. Give them another number to reach you (that prepaid cell phone). Hopefully if they have another number to reach you they will leave you alone at work. Good luck, I know it's hard and it's embarrassing.

[seamoonil]

When you are at work and they call inform them that you are not allowed to have calls while you are working. Give them another number to reach you (that prepaid cell phone). Hopefully if they have another number to reach you they will leave you alone at work. Good luck, I know it's hard and it's embarrassing.

I called BOA, Chase, Citi and USbank last night and gave them my only phone which is my cell phone number.

Now, if I don't ever answer their calls; they could try call my work again? Or will be better if answer or call back?

Because I think there is a big difference between original creditor and the collection agecies right?

[flyinbroke]

I went onto the websites and filled in my flushable cell for home, work and cell. They only have one number and call that one exclusively. The disposable phone also has my name and number on the voicemail so there is no doubt who they are calling.

I have never had anyone trace my home, office or cell number. And I don't answer.