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When is the best time of day to call someone to pay his debt?

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nedkelly · 61-69, M
Never, as a financial counsellor all creditors have to call me, when I work with a client in debt. Amazing how the creditor backs off when they have to deal with a financial counsellor. Do not make threat or demands as this will get you nowhere
PatKirby · M
@nedkelly [quote][i]Amazing how the creditor backs off when they have to deal with a financial counsellor. [/i][/quote]
Is that because they become acutely aware of the futility of their intimidations and must cooperate, or is it because your counseling kung fu is strong?