I recently got my self into a financial mess-lost my job and am only able to pay my rent-barely. I was on the road to better credit after ruining it when I was younger but unfortunatly this set me back majorly.
Cross Country is one of my creditors I am sad to say. They call at least 10 times a day, Monday thru Sunday from 8:00am-9:00pm. I did try to speak with them reasonably in the beginning. I had every intention of getting this taken care off. They tried to presure me to do a check by phone and I refused but said they can call me or I would call them in 3 days (I was expecting my 401k pay out) and I would pay them a good chunk-they kept pressuring.
I stuck to my guns and was not comfortable in writing them a bad check which is what it would be if I gave it to them at the moment (after reading this website I am positive they would not have held it as they claimed but would cash it right away) The woman then said if she wanted to she could set up a debit from my checking anyway because they have my account info.
At this point a man clicked on the line without warning and starting yelling that I "needed to pay my bills" and that I was a "loser"I tried to stay calm but I eventually hung up. I am now in the process of going through a consumer credit agency which I did before. I just feel it's my only way out other than bankruptcy
My questions are: Isn't this harrassment? Can they legally call and threaten you 10 times a day? If it was an average person then couldn't a restraining order stop it? I really just want this to stop.
I am trying to get back on my feet. I realize I owe a portion of the debt and plan on making good on it (the rest is their DAILY FEES, lost card charge, charges for making payments by phone) The stress is killing me. I have anxiety about answering the phone never knowing if the person on the other end is going to be hostile. I wonder if that isn't payment enough for them knowing that somedays I don't want to go on and feel like I can't take anymore. Isn't that their goal?
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