Another Rebecca

The phone calls start at 8 am.  You answer and on the other end of the phone is a collection agent critizing you for owing money and telling you they are taking you to court.  You explain that your hours are cut back at work, but the collector just doesn’t care and demands you borrow the money to pay them.  You hang up the phone feeling angry someone spoke to you way, nervous about the threat of court and confused about what to do. 

The calls continue thoughout the day until you leave for work, and you can see all of the other calls on your call display when you come home.  Maybe a collection agency called you at work and bothered you there.  Now your boss is starting to get annoyed with the phone calls.

It is affecting your work and your sleep.  But what do you do?

The first step might be to call a local not-for-profit credit counsellor.  You can talk to someone and they can help give you your options.  Calling us is a good option.  Just because you call me doesn’t mean you need to file bankruptcy . In fact, we refer a large portion of new callers to other agencies, such as credit counsellors.

You finally decide to call us and you come in to meet with me. The stress is hard to deal with and the tears start. That’s ok, I have tissues on my desk. I understand that tears are a good stress reliever. After I explain your options you leave with a better understand and happy that someone was there to listen.

Maybe you decide to file, maybe not, but at least now you know your options. The meeting was no charge, so if and when you decide to do something, it is up to you.

If you need advice about your debt, please give me a call at 310-PLAN or email me and we can review your unique situation.

or email me.