Make no mistake, though, opening bills you cannot pay and calling creditors has not made the list of my top ten favorite things to do.





Talking to them may not be fun, but it will probably work.

Talking to creditors is the only thing that is keeping my X-Wife in her home right now (she says) they are making payments, but at a lower lever then before. The creditors have been working with her so far because they talked to them.