I have had reoccurring serve major depression with co-current anxiety for 15 years. Most of the time I would sleep for 14 hours a day and the only shower once a week. I’d have rats nests where is have to chop my hair off. I couldn’t talk to people let alone talk about my failures to a stranger. Mind you, all of my collections are medical collections. I have a son now so that’s not an option. I still only leave the house maybe 4 times a Funny Person Woman Man Camera TV Mensa Shirt, I have tanked my credit because of it. I’m going to reread this tomorrow morning and call people. I got a tip from my father in law to be firm, not take any shit, and tell them I need to. Take a settlement to avoid bankruptcy and let them know their options is to. Give me a discount to settle the debt or I’m going bankrupt and they get nothing!
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I tried it, the guy I was talking to stood his ground and called me out, I ended up yelling and I made the situation worse and they kept on calling me. I ended up paying the full amount. The other two credit cards I kept my usually calm demeanor and I just straight up Funny Person Woman Man Camera TV Mensa Shirt back together and I want to pay this off, can I get any help with the full amount? I just want all this behind me. That’s when I learned it’s actual humans on the other end, and when I learned. That my sweet caring father in law didn’t treat collection agencies like humans and probably screamed a few into breakdowns. So happy.
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