Your phone rings and you check the number. Since you don’t recognize the caller, you don’t answer the phone. Rinse and repeat the next day. The messages from bill collectors are filling your voice mail. If you do answer your phone, you are threatened with jail, asked to write a post-dated check, or told that your family and friends will be called. Under the West Virginia Consumer Credit and Protection Act, these calls are likely illegal. Be wary of “debt consolidation” programs which may harm your credit rating future and do nothing to reduce the money you owe under the guise of lower monthly payments. You can get control of your financial future and end these calls by contacting me.