How to Hide from Debt Collectors
- Tracy EastBy
September 16, 2013
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Have you ever tried to hide from debt collectors? If you’re like most people, you would much rather spend the rest of your life hiding from debt rather than facing it. If you are looking for some quick ways to avoid thinking about your debt, look no further! So without further ado, here are the best ways to hide from debt collectors:
How to Hide From Debt Collectors:
- Get a new phone number – Just let all your friends and family know you are avoiding debt collectors so you have to get a new number!
- Never apply for credit ever again – Who needs it? You don’t need a house or car. Why do you think there are shelters and public transportation?
- Change your name – Nothing says “fresh start” like a brand new name. You can even go crazy with it! Change your name to Sir Debt Suckzorz or Lols Alot!
- Live in a cave – I hear the caves are beautiful this time of year…and you might even find some company! Plus, you’ll save on utility bills!
- Don’t get a job – What’s the point? Your wages will just get garnished.
Of course, you know this advice is absolutely the opposite of what you should do, right? Hiding from debt might work in the short-term, but chances are it will still catch up with you eventually and you will continue to deal with the stress of knowing it’s there – breathing down your neck.
If you want to deal with your debt once and for all, you have options! Instead of hiding from debt collectors, try these tips instead:
- Talk to a credit counselor. A licensed, non-profit credit counselor will be able to give you advice and an action plan based on your financial situation.
- Take the initiative and call your creditors. If you are in charge of the situation it’s likely that you won’t feel so intimidated. Let them know that you are experiencing financial difficulty and are working on some solutions that will allow you to address your past-due balances. Creditors are people too, and they will respect your honest communication more than your avoidance.
- Open your mail. This is not a situation where ignorance is bliss! Do you even know how much you REALLY owe? A lot of people think if they don’t know, they won’t have to deal with it. Figure out what you owe and then work toward a realistic plan for addressing it that will allow you to sleep peacefully at night.
- Realize that YOU are not your debt. It’s easy to fall into the trap of feeling bad about yourself because of your debt situation. Do yourself a favor and remind yourself daily that you are not your debt!
- Make the necessary changes. Whatever your plan for getting out of debt, it’s going to take some effort and commitment. Whatever spending patterns or habits you may have that will stand in the way of successfully dealing with your situation need to be addressed pronto! Be honest with yourself and then move forward building new habits.
Once you have a solid plan in place and the support of people who can truly help you become debt free, that temptation to hide from debt collectors will go away with time. It’s far less stressful to actually make a problem go away than it is to hide from it!
If you are experiencing financial difficulty and are looking for a solution, non-profit credit counseling can help you make sense of all your options. Contact us today for a free financial assessment with one of our certified credit counselors.