i have had calls from creditors wanting there money just before i went into iva and after it is not good i tried talking but got no where. i found the most effective way to stop them calling was to blow a whistle down the phone. most pound shops sell whistles so they are affordable. and it worked for me after u give them a short sharp burst on the whistle they soon put phone down and never called me back.
"Since it cost a lot to win
and even more to lose
You and me bound to spend some time
wondring what to choose
Wait until your deal come round
Don't you let that deal go down"
Robert Hunter, Jerry Garcia 1971
Thankfully the creditor calls do eventually stop. At least once the IVA is started you know you are protected and they can do nothing to you.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
