Don’t let your creditors bully you. They know how to push all your “guilt” buttons and leverage your emotional distress to make you squirm and pay more than you can afford. They will tell you they can accept a certain amount per month as the lowest payment because they are guessing you can afford that amount. They will use every tactic know to man to take you there. If you start to feel unsettled, hang up and call back another day. There is nothing that says you have to do this right now. Be sensible about negotiating and make the phone call when you have confidence.
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