People who are past due on their bills often don't like to answer the phone or check the mail because of collection attempts by debt collectors. While it is understandable that they will try to collect what's due to them, there are limitations to what they are allowed to do. The Fair Debt Collection Practices Act (FDCPA) sets certain standards and limitations for this.
Some people know that the end of their marriage is nearing, but when you hear your spouse ask for a divorce, you might become desperate to work things out. While this might be your focus, you should remember that you can't force it if the other person doesn't want to remain with you.