Optimuminimum

Viagra: fillin' Vaginas and Anginas

Ugh. I owe about $6,000~ in Car / Bank / Medical bills. I currently am out of work and just retreat whenever I get collections phone calls because I nearly have a panic attack. I feel like there's no use talking to them being that I can't even afford to pay installments right now. This thread makes me feel bad :c

does sending an FDCPA no contact letter prevent them from seeking litigation collection?

Thanks! I used to be very good at managing my money but ever since my boss didn't pay me for a month, I quickly had went through my meager savings and with all the late fees the bank has charged, losing my car insurance and my discounts, my boss put me in a huge financial bind and am only now seeking some way of suing her but my issue is providing proof. Before I was just juggling my debt but paying it, as opposed to now where all the things have dropped on to the floor.