if collection agency calls and you never pick up the phone or respond to

XYZ

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creditor mail, what happens then? I am in very poor financial shape. For months and months, I have been struggling so bad to find a job but can't find anything despite applying at so many places. Not even $8 an hour i can find. I graduated from college last year with bachelor of science in mathematics, but somehow could never find a job.

I obviously don't have any money left since there is no job. I get lot of collection agency calls and i never pick up the phone and also turn off the answering machine. I also never open any mail sent by creditors.

I act as a blind and deaf man to collection agency and credit cards. What will happen now?

I made the mistake of applying some credit cards about 5 months before graduation. I used them heavily and then i kept digging deeper and deeper in debt. Those cards have 29% APR.
 
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