Contrary to popular belief, most people don’t choose to be deadbeats. They don’t suddenly wake up one morning and decide they’re going to just stop paying their monthly bills. Most times, it is simply due to something beyond their control such as a loss of employment due to layoffs or company downsizing.
But here’s the thing. Bill collectors don’t want to hear that. They have heard every excuse known to mankind a dozen times over. Whether it’s true or untrue, they are just not buying it. From day one of orientation they are trained to believe that all debtors are liars. No matter what truth you share with them, in their eyes, it’s just another lie.
Your excuse for not paying up may be a lie in their world, but it’s the truth in yours. You can’t get caught up in what they believe is true or untrue. All you can do is the best you can with what you’ve got. What they think of you does not change the facts. Either you have the ability to pay, or you don’t. It’s just that simple.
Never let a bill collector dictate what you can or cannot pay. They are not the boss of you. If anyone knows what you can afford to pay, it’s you. They can tell you that they have your credit report in front of them or tell you that they know how much you make… but in reality, it doesn’t mean jack! Either you have the ability to pay, or you don’t. All the other garbage that they’re spewing, is just that… Garbage!
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