Well, I had had posted before we have great credit. My wife and I have NEVER had a late payment in 24 years until recently when we stopped paying due to the upcoming bankruptcy. We are now falling 45 days past due on some credit cards as well as our mortgage.
The last few days the collection calls have started coming in. It appears they are auto-dialed so if you don’t answer the phone the calls come about once an hour. Most of them have caller ID hidden, which is a dead give-away.
Since we have not actually filed our bankruptcy case yet, I’m going to try and avoid them. Once we file, an “automatic stay” is put in place and they can not call you after they have been notified. You can also refer them to your lawyer to have them deal with it as well.
Nothing has shown up on our credit scores or credit reports yet as far as late payments.
Tags: consultation, credit history, credit reports, Credit Scores, retaining a lawyer