In CAR WHERE Paula Hanson lives, often parked outside a local sheriff station in Lancaster, California, the phone would not stop calling.
"I have to make sure I have money to eat," she said, "but the way they push you ̵
MORE THAN QUARTER of consumers are currently receiving overdue billing calls, according to data provided to CNBC by YouMail, a robocall blocking service. For many, the conversations are relentless. "Some people get hundreds of calls in a month for a late payment or debt," says Alex Quilici, general manager of YouMail.
People often associate with the flood of robococks with scammers. However, in a ranking this year by volume robokers, 8 of the top 10 were searching for late payments (although this list does not take into account when companies distribute many different phone numbers to reach people).
 COMPANIES USE auto dialists to collect debts because they are cheap and easy to use, said Jeff Hansen, an information technology expert. When he was working on a ringer, Hansen said they called more than 1 million people an hour for less than a dime per call.
But the technology seems difficult for consumers to stop the conversations, he said.
"You get 10 calls in a day, and on the first phone call you say," I don't have the money. Don't stop calling, "but these automated procedures keep people out of the loop," he said. "The dialer has been loaded for the whole day, and then it will continue to call you."
Discover employees come up with the right strategy for every person struggling to make their payments, said Derek Cuculich, senior executive of PR at the company. "We determine their situation and work with them to find a solution to help them through tough times," Cuculich said.
TONYA STEVENS BOUGHT a few things, including a washer and dryer, back in 2014 from Conn & Home's HomePlus, a furniture store chain headquartered in Texas.
She said she did many of her monthly payments, but sent them later than the store wanted. Employees of Conn are sitting in the morning, noon and night, Stevens, 49, said. "I came anywhere from five to 11 conversations a day," she said.
Stevens was pressed over the edge, she said when she was at her dying grandmother. "I called them and yelled and answered," Let me bury my grandmother, "she said.
All of them, Conns called her more than 1800 times, according to her lawyer.
"As a standard operating procedure, our team adheres to all applicable statutes and regulations, only calling customers having an outstanding debt," said Ivette Faulkner, a spokeswoman for Conn. "When a payment is arranged, we cancel customer calls."