Remember that old expression: "Another day, another dollar"? I bet you cannot say that today. You will find that the dollar has shrunk. Buying power is diminishing rapidly. I hope that things change soon. The bankruptcy business is booming and collectors are becoming ravenous. In this day and time, you need to know your rights. Creditor harassment is as crazy as ever. I have heard every pitch from a collection agency there is. I had once tried to settle a bill and made what I believed was a reasonable offer. I could have paid it off in a decent amount of time and moved on with my life. Well the collector decided it was not enough and tried to make me agree to three times that amount. I know I did not have that kind of money, and to add insult to injury, the creep had the nerve to give me one hour to agree to his terms. Of course I did no such thing and began researching bankruptcy. To demonstrate how insidious they are, they called me about a week later with an offer that was still completely out of my range. So, I referred them to my attorney.
Collectors are a rare breed. The good ones seem far and few between. I spoke with one on behalf of a client and this guy offered the man a job. That is one compassionate individual. I doubt he will last in the collection business. I can see him becoming sick of the whole thing and becoming involved in a more honorable profession. I wish him well.
I hope and believe things will improve...maybe not as fast as I would like, but soon enough. I have gotten more frugal and conservative with my finances. I have cut back on a lot of recreation and niceties I have been used to. The positive thing is I will be able to one day open a savings account. Hopefully, it won't be with AIG.
PS. a message to corporate America. Stop shipping our jobs out of the country. I hope that the President repeals all the tax breaks you have been receiving, until you bring back the jobs.
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