Creditor Phone Calls ,What to say?
Due to divorce and loss of income, I am 4-6 months behind on my credit card payments. I have answered phone calls from creditors every 2-3 days. Why do they call asking the same verification information repeatedly, mention that the call is being recorded?
What to say if they begin to "snicker", "laugh" and talk to you in a condensending way by threatening to take you to court, garnish wages, etc?
I had a debt colletcor call and mention where I work currently and previously, how much equity I have in my home,that somehow I have continued to pay American Express, and how much debt total i owed.
It's well within their right, but I felt like this was an invasion of privacy and told to me in a way to annoy and make a situtaion that I dont feel good about, worse.
Unfortunately, it takes time to get completely back on your feet, but these companies act as if you have money hidden somewhere.
What to say, what to do?