Your creditors are calling from the early hours of the morning until late evening. They are pressing you to beg and borrow funds to pay their debt and can be very threatening.

Unfortunately, there is no sympathy to your personal situation and the tone of these calls and the statements made can create fear, conflict, stress and anger. The only objective of a collection agent is to get you to pay, now. Whether you eat, put gas in your car or pay your heating bill does not matter, they want to satisfy their need and to them you are merely another file…

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