Hwllo @jsph. Yes, there will always be problems. It's how a person handles these issues that determine the outcome. I was once laid off my job. The creditors don't care. All they want is what is owed to them.

I tackled the problem head on. I called each creditor and made arrangements for payment with the understanding that in some cases, I could still incur late fees. It's best to pay a small amount on a debt you have incurred than to not pay anything at all or attempt to explain. I met several understanding people in the customer service industry during that period. Although I also came to the conclusion that since I know what it felt like to be on the receiving end of a call, I would not want my next position to be that of collector. I couldn't detach myself.

Thanks so much for visiting and your kind compliment. I'm pleased you liked my story.

TI appreciate your support. Take care and have a good rest of your week.

!ALIVE