I was in the boat at one time. I'm not sure what the laws are in your state but in California if you tell them you can no longer accept personal calls at work they should not be calling you at work. They have to contact you at home or on your cell. You don't have to answer. As a habit of creditors working my nerves, I never answer 800 numbers. I check my messages and if I want to talk, I'll call them back in my time or maybe never.
I had gotten caught up wi three payday loans a few years ago. The ones I had, I had to come in on payday or the day after. I'd turn it over meaning I'd pay the $300 to borrow $255, go to the next store add $45, pay that $300 to borrw $255, then do the same thing at the 3rd store. At that time I was paid bi-weekly so in the months where I received 3 checks rather then 2, I eventually starting paying them down. Instead of borrowing $300, I would borrow sy $200 each time from all three then, drop it down to $125 or $150. Problem with that, I didn't have any "extra" money to do other stuff, like eating out or pay for unexpected emergencies. That hurted. I finally paid them all off and on my last payment, when they said "do you want another one? I said No I'm glad to be done with this. It's so easy to get caught up. One of my friends currently has 6 payday loans and she is "retired" and on a fixed income. She's been struggling to get them all paid down. Another friend of mine just went and started one this week to get her electricity turned back on. It can be helpful in times of dire need but my recommendation is start getting it paid down as quickly as possible.
Starting Score: 454
