Do you have a credit card? Do you always receive thick papers of correspondence from the credit card company?
Having a credit card debt would usually make you so anxious about being found by your creditor. Usually, you would even ask someone to answer the phone and the door even if you are around in the fear that it would be the debt collectors trying to grab hold of you. The more you hide, the more that your creditors will get angry at you.
Even if you will keep hiding, you will still keep on receiving correspondence from the credit card company in order to update you about your current financial standing with them and whether you will still be able to pay your dues. You need to stop hiding now and face those people whom you have an obligation to. The first thing that you should do is to go through those piles of correspondence that are in your drawer. If you do not understand most of the contents of these letters and other correspondence, you should then obtain a document review and legal advice from a lawyer. This lawyer will help you understand all those letters that could be filled with vague threats and confusing double-speak.
Although you may be a debtor who had gone irresponsible for a while, you still do not deserve to receive threats from these lenders. Your lawyer would help you get out of the shadow of intimidation so that these big companies would not be able to get too much money from you that would leave you almost bankrupt.