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Many people with debt feel the need to avoid their creditors in the hope that the problem will sort itself out. What you should actually be doing is keeping the lines of communication open. It will help them see what situation you are in so they won’t pursue legal means to get their money back. All lenders want to know is why they aren’t getting their money and when they will be getting it so it’s best to be upfront as soon as problems arise. This will allow you to make some sort of debt solution that works for both parties.