Collection Agencies
July 6, 2008
I have been religiously paying for my credit card balance these past few months. However, last June, due to unavoidable circumstances, I have not been able to pay but I have noted to myself that I will resume paying again as soon as I get my paycheck.
After that, I have been receiving calls again from collection agencies. They once again resumed calling my office, which is useless because I rarely go there because I work from home. They also call at home and started threatening me again. I calmly spoke with them and explained the situation. They made me feel like I was running away from my financial obligations and even wanted me to pay the full amount at a specified date. There was no way I can do that and if only I have the money, I would have paid the credit card company a long time ago so as not to incur additional charges and for me to experience all of the hassle.
When our conversation ended, I explained that I have already made payment arrangements and it was just unfortunate that I failed to pay for June. I just told them that I’ll pay as soon as I have money. Sigh. It was really a hassle and I promised myself that after I pay off my balance, I’d never get a credit card again. Ever.
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