I am sometimes asked in my bankruptcy practice if creditors ever go away. At times they do not call or send letters for months, and it seems like they will just disappear. Unfortunately, if you owe more than a few hundred dollars, they will keep coming until they get their money, like the Arnold Schwartzenegger character in the Terminator movies. Like the Terminator, they work 24/7 trying to find you and get your paycheck, bank accounts, and any other money or property that you have.