thanks i appreciate the advice X

hi just wondering, if you have written to credit card companies/loan companies offering token payments and asked for a letter of response, do you need to return there phone calls? they are calling 4/6 times a day and i just dont want to get into a discussion on the phone about it. can they do anything if you have refused there phonecalls? one is a marbles credit card and the other is cahoot loan. i have written to both with budget sheet and token monthly offers until circumstances improve. any advice would be great thanks emma