Pick up the Phone!
From Redstone Federal Credit Union’s credit card agreement:
“Collection. If your Account should become past due, or otherwise in default, you will accept telephone calls from us regarding collection of your Account. You understand that the calls may be automatically dialed and a recorded message may be played. You agree that such calls shall not be “unsolicited” calls for the purpose of state or federal law.”
Translation: screening us is breach of contract!