If you are one of the millions of Americans with debt, you may also be one of the many that is behind on your debt. As a result, you may be getting collection calls. Those calls are far from pleasant conversation.  Some are downright hostile. I have heard outrageous stories from clients. Despite how strong of a person you may be, these calls can wear you down and cause you to make decisions you may not be happy with. When you are stressed and under pressure, it is hard to think clearly.

While I don’t recommend avoiding your problems altogether, I don’t think speaking to the hostile collection people will resolve anything. You are not obligated to answer the phone, so why would you pick up the phone, if you don’t have the money to pay and the conversation will not resolve anything. I guaranty that the person on the other end is not going to help, but they may make you feel worse.

Instead, take the time and consider your options. Call (213)382-2926 for your free consultation, to calmly discuss your options and gain some perspective.