Expert: Creditwrench - 8/16/2010

Question
If I'm late (13days)on my car payment can they keep calling me and asking me when I will pay my payment is there a law that they have to wait a certain time the have to wait to call and see when payment is made

Answer
No limits. They can even start bugging you in advance of your due date and see if you think you are going to make your payment on time and even for a few days after you make your payment. You just need to learn how to control their calls the easy way. Get a cheap cellphone account such as Cricket or Boost. Get a Magic Jack and call forward your home phone to Magic Jack. Then just shut the ringer off on your home phone so you don't even hear it ring anymore. Then go on line and call forward all your magic jack calls to your cheap cellphone. All their phone numbers will be identified. Once you get a call from them on your cellphone just put it in your list of contacts and then when they call just hit the ignore button and keep on hitting the ignore button. If you are asleep or in church or something just put the ringer on vibrate or silent and let them ring their fool heads off. While you are sleeping your cellphone is on silent and you don't even know they called until you wake up, There are other more sophisticated ways to do it as well but they are more expensive and sometimes don't even work any better. By the way, once the call forwarding to magic jack is set up you can just put it in a drawer or a box somewhere and forget about it if you want to. Magic Jack is pretty cheap, 5 years of excellent service for $110 including the magic jack. I've got about 4 or 5 of them myself. They work like a dream.
Creditwrench
Bill Bauer
www.creditwrench.com
(405) 237-2174