April Fools Day is a perfect time to talk about debt and our obsession with keeping up with the Jones’. Buy It, Just Buy It, we hear all the time. Creditors slyly and stealthily draw people in with the promise of easy money, and then cry foul about how they are wronged and cheated when someone needs to discuss a change in terms. Something they insist on for themselves every year. You played by the rules. You were a great customer, you paid your bills on time. But creditors act like vultures circling in the sky above. Raising rates and changing rules as you squirm on the ground. You are not a meal, you are a person.
Just one little bite. That’s all you need to get hooked. Like so many things it is so easy to get started down a bad road. More and More and More until you can barely hang on. Then they change the rules. Just a sentence hear or there every year. But those changes add up. And what happens when your life runs into a hiccup?
And what happens if your life is turned upside down by some event? Then “friends” you did not know you had come out of the woodwork. They want to talk to you, and talk to you now. The Fair Debt Collection Act? That doesn’t really apply to them. Even if it does, you have to catch them. And then make the penalties stick. Do you have time to play with these monsters when your life is in turmoil? “They changed the rules, you say?”. Why should they care? You kept using their service. Their lawyers are always busy working for them, while you are trying to work for your family.
April fools if you think the government will help you!!
Teach your children how to handle and manage money. Let’s dig out of this hole we are in as a country. Things do not bring happiness more than a short while. People and families do matter. Let’s start taking care of them and nourishing them again.
IF your creditors acted like people you might be able to get through this, and you might be able to give them something fair. But their lawyers and their collectors see you as a number. A number to be squeezed and bled as much as possible. Get the maximum profit is their motto!! Don’t let these people take your hope, or your family. Talk to a debt settlement company. Talk to a bankruptcy lawyer. Talk to a credit counseling service. Learn all you can about all your options. They have an army of lawyers and lobbyist lined up against you. If you need a bankruptcy attorney to protect you and your family then get to it! If a debt settlement company is your best option then go for it! Take your life back, and take care of what really matters, your family.
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