In a situation when we are already in deep debt and in arrears with payments, avoiding the creditor is one of the most common and serious mistakes. Creditors are not very difficult people, as long as you communicate with them. What will then happen is, instead of controlling the situation and finding common solution with the creditor, the problem escalates..The creditor takes different measures aiming to recover the liabilities and the costs thereof and related interest increase day by day..Remember, the most important thing to do as an indebted person is to at least make the effort to contact the creditor and come to an understanding with them. Once we have contacted the creditor or the company managing the debt, they will not feel the need to contact you because there is no longer a lack of trust..The willingness of the indebted person to talk and look for solutions is key because then there is room to negotiate payment terms going forward..So, if you fell into debt, collect the required documents concerning the debt and other financial liabilities to see the totals owed. Carefully analyse your family's expenses and income. Then contact the creditors as soon as possible and learn what the possibilities of repayment are.