Crunched
After getting Credit Crunched in 2009, I ended up with quite a lot of debt and no income. A couple of the debt collectors were polite, understanding and helpful. Even though I acknowledged all of the debts and was making payments of £1 per month each, one particular agency still felt that they had to call me several times per day and on a couple of instances their agents threatened me. So, I called Citizens Advice. They told me to write to the original debtor explaining what I was experiencing. Next thing I know, the debt agency writes to me apologising, claiming it was a fault in their auto dialler system (yeah, right!), and agreeing to ONLY contact me by letter. The original debtor also wrote to me to apologise for the treatment. Since then I have settled every debt and will never get in debt again. I'd rather do without stuff than experience that again. Yes, you can have stuff today and pay tomorrow, but sooner or later you will over-extend (or your circumstances will change and over-extend you) and then you too will get to experience the joys of being "pressured" by debt collectors.
If you choose not to acknowledge your debt, then they will come after you by any means available. They'd rather not send someone to your door as that costs them money, so contacting you via social media seems like a reasonable alternative since that is a public aspect of you.
Biting the hand that feeds IT
