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Sometimes things are not what they seem
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Mostly they are worse when emails and communications are ignored. That is the real concern. You ignore your creditors at your peril. It is cavalier and disrespectful and when payments are late, it only means one thing, and I do mean one thing, there is no money to cover the debt. I take that back, there is another possiblilty, they just don't feel like paying. Now, if anyone else can add another possibility, I would be pleased to hear it. But I personally have seen this shit many times, with the same reaction of panicked creditors giving the benefit of the doubt to the debtor hoping beyond hope, believing beyond belief that they can pull it out of the fire or they might be one of the lucky ones who get something for keeping their mouths shut. Its happened to me and I certainly did not keep my mouth shut as you might have guessed and I was the last one to get paid before the company tanked. But I did have two RCMP officers at my side as the boss wrote the last paycheque as I phoned the bank to hold the funds. And btw, buddy the boss went to jail...Kingston Pen no less.