If you have reached a point where you are not able to pay your monthly credit card bill, you may have done what many California consumers do: ignore it. You may have stopped opening the envelopes that come in the mail to warn you of the consequences for delinquency or...

More than likely, you are already aware that you owe a particular creditor money. You certainly don't need someone calling you about it multiple times a day or a week to remind you and demand payment. If you had the money, you would have already paid the bill if even...