Debt has always been my shadow. It's a terrible and stressful life to live! You don't ever want your life to be dictated by anything, especially if it's over something petty like a short payment or a simple mistake. Regardless, everyone out there is out to better themselves, and people like me are a hindrance to that. Credit card collection agencies would have provided the only means for me to work out my debt rationally.
Honestly, my financial situation wasn't something out of the blue; I saw it coming but just couldn't do anything about it. After losing my job I had to rely on credit to get by while scrounging around for ends-meat, but in no time I had dug my own grave in debt.
Initially I was badgered through endless warnings via phone calls and mail, begging me to pay, but much to my dismay I could not for I didn't have the means. As time passed their threats elevated quickly and soon I had seen the words 'legal action' among the usual letters, and I felt backed into a corner. My credit card debt had gone too far, and sooner or later something had to give.
Unable to take the stress and fear of retaliation with my debtors, I ignored all of their requests to speak with me on the matter. In desperation, the legal system went out the window in my mind when I decided to rob a bank. Of course, as with all criminals, I failed and found myself serving a greater sentence than I'd have been, but the experience shed light for me. I discovered that the letters from collection companies were in fact intended only to help me get out of the debt, for mutual benefit!
Interestingly enough, had I just taken the time to speak with them, I'd have found them to be very reasoning. Through my lawyer, I learned that esteemed companies such as Rapid Recovery Solutions were hired through my credit card company to retrieve the debt I owed, and that they had with them plans to not only solve my debt on credit cards, but all my debt entirely by setting up a slow and steady payment plan. Unfortunately my misconceptions and my stress got the better of me. I was a fool not to work with collection companies, and I was a fool to remain in debt!
Honestly, my financial situation wasn't something out of the blue; I saw it coming but just couldn't do anything about it. After losing my job I had to rely on credit to get by while scrounging around for ends-meat, but in no time I had dug my own grave in debt.
Initially I was badgered through endless warnings via phone calls and mail, begging me to pay, but much to my dismay I could not for I didn't have the means. As time passed their threats elevated quickly and soon I had seen the words 'legal action' among the usual letters, and I felt backed into a corner. My credit card debt had gone too far, and sooner or later something had to give.
Unable to take the stress and fear of retaliation with my debtors, I ignored all of their requests to speak with me on the matter. In desperation, the legal system went out the window in my mind when I decided to rob a bank. Of course, as with all criminals, I failed and found myself serving a greater sentence than I'd have been, but the experience shed light for me. I discovered that the letters from collection companies were in fact intended only to help me get out of the debt, for mutual benefit!
Interestingly enough, had I just taken the time to speak with them, I'd have found them to be very reasoning. Through my lawyer, I learned that esteemed companies such as Rapid Recovery Solutions were hired through my credit card company to retrieve the debt I owed, and that they had with them plans to not only solve my debt on credit cards, but all my debt entirely by setting up a slow and steady payment plan. Unfortunately my misconceptions and my stress got the better of me. I was a fool not to work with collection companies, and I was a fool to remain in debt!
About the Author:
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