Debt can cause stress and embarrassment. As a result, some creditors will avoid all of your communications. They may know that contact could help, but the embarrassment can make even a simple conversation feel difficult.
Why Debt Can Cause Embarrassment
Many people connect money with success and responsibility. Therefore, financial problems can feel deeply personal. Someone might think they should have managed their money better. They may also worry that others will judge them.
However, debt can happen for many reasons, such as:
- Job losses
- Illness
- Rising costs
- Unexpected bills
Even so, some creditors may still blame themselves. As a result, embarrassment can quickly turn into avoidance.
Read more: Can’t Pay or Won’t Pay
Why Creditors Then Avoid Contact
Contact can force someone to face a problem they already find stressful.
For example: Opening a letter may confirm how much they owe. Likewise, answering a call may mean discussing missed payments.
Therefore, ignoring contact can feel easier in the short term. However, avoiding contact never makes the debt disappear. In many cases, it simply just delays the conversation.
Read more: Why Court Action Isn’t Always Necessary
The Cycle of Avoidance
Avoidance can provide short-term relief. For instance, a creditor may ignore a payment reminder and fell calmer for a few hours. However, the debt still remains. Then another reminder arrives, and this time, the creditor feels even more anxious.
As a result, the cycle just continues:
- A payment becomes difficult
- The person feels embarrassed
- They avoid conact
- More letters and messages arrive
- Their stress increases
- Contact gets even harder
However, preparation and facing the situation can reduce anxiety.
Taking the First Step
Creditors sometimes delay contact because they believe they need a complete solution first. However, they can make contact before they know exactly what to do.
A simple first step may include:
- Opening all letters and emails
- Listing each debt and payment
- Checking current income and essential costs
- Contacting the organisation involved
- Explaining that repayments have become difficult
- Asking what options may exist
Breaking the problem into smaller chunks can make it feel more managable.
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This article is for general informational purposes only and does not constitute legal or financial advice. While we aim to keep our content up to date and accurate, UK laws and regulations are subject to change. Please speak to a professional for advice tailored to your individual circumstances. Pi Credit Management accepts no responsibility for any issues arising from reliance on the information provided.