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Collection Activity – Collection practices of lenders and/or assignee(s) to arrange payment will be in accordance with the principals of any application federal regulations at all times. This communication includes one more authorized methods, including email, mail and phone calls. Getting a Loan with Bad Credit There is no use of material gifts as this cannot be of any help in getting your love back. If you really want to gain back the relationship, try that with affection and emotions but not with gifts as this wonât be of any use in mending the relationship in the better manner possible. Try to focus on the positive changes through which you can bring your Ex back and do not waste money on some gifts.