Don’t try to hide from creditors if you have fallen behind on your payments. Contact them and determine what can be done to work out a new payment schedule. Nothing makes a lender more nervous than having someone with late payments who they are unable to reach. If you contact them early enough in the process and show a willingness to work through your problems, they will generally be more than willing to help you. If you have fallen three months behind and are completely out of contact with the lender, they will be in no mood to cooperate with you.