Please remember that you do not have to speak with them verbally if thats what you decide. If youre worried about the calls at work just tell them you cannot speak with them at work and tell them if you lose your job you will be in a worse position. My boss really gave me a hard time, the office staff made a complaint and I was forced to tell her the truth of my situation, my life was hell from creditor calls, I wish I would have known then what I know now. Attack, like phoning them first is sometimes the best form of defense.
