What to Do When You Forget to Pay a Bill

If you don’t pay your bill, your utility service might be shut off or you will be charged with late fees and interest on your credit cards. So it’s best to deal with the problem immediately. Kiplinger has some advice on what to do when you forget to pay a bill. If you have an excellent credit history you can ask for the late fee to be waived, said credit expert John Ulzheimer. Make sure you know some rights when collectors call you per Fair Debt Collection Practices Act. For instance, you can report the violations if debt collectors use obscene language or threaten you. Also they can’t contact you before 8 a.m. or after 9 p.m. (richmond.com)