We have so much in common.…our family has been through the layoff situation more times than I ever would have imagined. Thank God I found MA and have taken control of my life and future.

One very important lesson I have learned through all of this is you CAN and you WILL survive bill collectors IF you learn how to handle them. Not being able to meet your obligations is a very stressfull situation but you can limit the stress and maintain your sanity if you know how to handle it. Often our minds are our worst enemy. FEAR = False Evidence that Appears Real

First you must know your rights and the limits of the bill collector. As soon as a bill collector called I would take control of the conversation. I did NOT cater to their questions but I did my best to be curteous. I would ask for the name of their company, the callers name their phone number (incase we got dissconnected ) and their address…so that I could send them a Cease and Desist letter. If the caller would not coopoerate then I hung up, I would not allow them to intimidate me and stress me out. When I got an address I followed up with the letter. Once they have a Cease and Desist letter they are required by law to not call you any longer.

Depending on how long it takes to turn your situation around and get back on your feet your credit may suffer but YOU will maintain your sanity and digity which is soooo much more important. Credit can be fixed and better yet you could do like I have done and build an amazing business that will allow me to live off of cash in the future instead of credit !