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Stay off social networking sites like Facebook, Twitter, My Space, Linked In, etc. Despite a subsequent public apology and expression of remorse, the damage will have already been done. If callers are never able to reach a live person, the calls will stop sooner. As a result, the calls from that particular call center will likely end forever.

Calls from unknown numbers with a non-toll free area code, direct online loan lenders are not to be answered. This practice has become much more prevalent recently.

And do not call the number from a line, whose number you wish to keep anonymous. The spoofed number, when called, will point to the 800 toll free number, and the collection agency will be able to see your caller ID. Skip tracers and collection agents frequently use them to locate the physical address along with assets. When you order a credit report on yourself, ensure that the address you provide is your PO Box. On the USPS application, if asked for street address, you might list a previous nearby address (or you could list a faux address if so inclined).

Because a tenacious and persistent creditor might subpoena the post office requesting that info. All post offices (at least in California) now require proof of identity and proof of residence prior to issuing a PO Box. Since these requirements make it practically impossible to furnish a false address to the post office, I strongly recommend opening a PO Box BEFORE you move to a new address.

Then, the address on file is your old address and even if the post office is subpoenaed, the creditor will only get an old, outdated address from the postal service. This will confuse your creditors and will send them looking for you far away from where you live.

Probably the simplest, easiest and most fool-proof way to hide is to have a very, very, very common name.

There are probably thousands of John and Mary Smiths in the US, but only a handful of Zebediah Zacharies around. Thanks for sharing that valuable info about the required supporting documentation needed when opening a new PO box.


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Skip tracers and collection agents frequently use them to locate the physical address along with assets. When you order a credit direct online loan lenders report on yourself, ensure that the address you provide is your PO Box.

When you order credit reports online, directly from the credit bureaus, they verify your identity. When you order credit reports online, directly from the credit bureaus, they verify your identity. Nobody at the CRAs questions what you say is your address. After all, direct online loan lenders there are homeless persons, as well as persons staying with a friend temporarily. They are entitled to order a credit report and they are allowed to have a PO box.

Another idea is to (if possible) - move in with either a good friend or your significant other....

This is most possible when you are single with no family. I know someone who is living under the radar quite successfully - along with ignoring a 2nd mortgage after foreclosure plus a large credit card debt. There are a few good books (Amazon) that help with ideas also! If you put the special information tones on the front of your voicemail outgoing direct online loan lenders message, many robo-dialers will interpret that as a line that is not in service and disconnect. Some robo-dialers (depending on what options the system admin selects) will also automatically remove the number from the dialer list. Playing the SIT tone, then waiting a couple of seconds before continuing with your outgoing message improves the effectiveness of this tactic. This is a great post from the past by Tom Eason for many current members here on LoanSafe that may find some of these tips valuable in 2014. The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice.

Most of the information you find here is easily available on the internet.

You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney.


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Since 2007, the LoanSafe forums have same day loan helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. I went thru a hardship the past year or so and my husband and I are just getting on our feet. We were behind in our mortgage almost 3 months and had to stop paying credit cards around July-September of last year. We got back on our feet in January and just got current with mortgage - now have to deal with credit issues. We are going to meet with debt management to try to get a grip and have them consolidate to one payment. In the meantime, I am concerned attorneys will do something. What should I say (knowing these are my debts, how do I word it)?

I went thru a hardship the past year or so and my husband and I are just getting on our feet. We were behind in our mortgage almost 3 months and had to stop paying credit cards around July-September of last year. We got back on our feet in January and just got current with mortgage - now have to deal with credit issues. We are going to meet with debt vip payday loan management to try to get a grip and have them consolidate to one payment. In the meantime, I am concerned attorneys will do something. What should I say (knowing these are my debts, how do I word it)? You may find some answers on how you would approach this in the following thread where personal loan guaranteed approval other members are sharing their experiences The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet.

You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Get free mortgage help today.


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Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. Many states specify the interest rates that creditors, including debt buyers, can charge on a debt that lacks a rate set by contract.

Maryland, California cash loans with bad credit and Minnesota have passed laws requiring debt buyers to have documentation for claims. The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet.

You should contact your attorney to obtain advice with respect to any particular issue or problem.

The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our says collectors can add fees or interest only if the amount is expressly authorized by the agreement creating the debt or permitted by law. Many states specify the interest rates that creditors, including debt buyers, can charge on a debt that lacks a rate set by contract. Maryland, California and Minnesota have direct online loan lenders passed laws requiring debt buyers to have documentation for claims. In many states, it is legal for collection agencies to add interest to the debt.

The CFPB says this: A debt collector may not collect any interest or fee not authorized by the agreement or by law. The interest rate or fees charged on your debt direct online loan lenders may be raised if your original loan or credit agreement permits it. Some state laws and some contracts allow interest to be charged and costs to be added.