Don't leave v-Mails anymore, but I see their number 200 times on my block logs! Love this blocking software.
If you're in debt, get a Windows-based smartphone on eBay or Craigslist. e-Mail me at
[email protected] and I'll e-Mail you the software! Or you can buy it from Efficasoft for $9. Your phone won't ring once you add bill collectors to the block list. Very useful if you're buried in debt.
You can simply ignore them for 7 yrs, and everything will go away! I'm almost 4 years ignoring some of them now. 3 yrs & the debt goes away. Why file Chapter 11 or 13? I STILL financed a $16,000 car & got a credit card. But then again, I'm self employed. If you're an employee somewhere, creditors can garnish your wages. They can't dip into my tax return because I pay out every year!
Once you're reported 180 days past due to the credit bureaus, that creditor cannot [removed:lang]your credit report up any more than they did for that 6 month period.