Debts sent to 3rd party collections so now I get more offers.

[tay666]

Man, during the 6 months my CC bills were in in-house collections, the amount of junk mail I got was way down.

Not the past couple months since my debts went to 3rd party collections I am getting tons of junk mail.
Seems everyone wants to sign me up for a new card now.
What's up with that?

I have over $50,000 in debt on multiple CC that haven't been paid for 8 months.
And now the same cards are sending me pre-approved offers in the mail.
Must be once they leave in-house collections they forget all about it and put you back on the mailing list.

[WantToBeDebtFre]

It's crazy. I know how you feel. I thought once I filed bankruptcy I'd stop getting so many offers in the mail but now I get even more. Most of the letters even aknowledge the fact I filed bankruptcy and want to lend money to me anyway. It doesn't make sense.

[magyar123]

These offers are mailed out by the truck/plane load by their marketing depts. Shred them, burn them, line your catbox with them, if you have a cat, and send back the postage paid envelopes empty. JUst for the hell of it, fill out one and see what's going to happen.

[tay666]

I thought about filling a few out.
But, since I haven't yet filed BK, I don't think it would look too good when I do go to file if I have new CC accounts.

I could see offers after my BK is done.
Then I would actually be a decent credit risk.
But right now, I am just someone buried in debt who hasn't paid on those debts for 8 months.
Doesn't seem like they would really want my business right now.

[treehugger1]

If I were you, I'd call the 800 number in the fine print on the offers and opt out of future offers. Sometimes I think the offers are mailed through some 3rd party agreement (credit reporting agencies, etc.)

[CindyLou]

Now, almost 2 years later, that junk mail and pre-approved offer mail has gone way down! I only get the occasional thing now. I was getting 2 or 3 a week right before and after my BK.