I was trying to reassess why I am so overwhelmed by debt when I am usually very well-adjusted, even during times of extreme conflict. I realized that because I am really on my own to deal with the bills and to take care of family while handling/avoiding collection letters and calls were contributing to the feeling of helplessness.
I used to work as a collector and I guess it's karma to get collection calls. I was a nice collector and I respected people's privacy and I treated them with integrity. Nowadays, collectors will do whatever they can to try to collect every penny and I really disagree with the way they are doing business. I guess in desperate times, there are desperate tactics.
I am still overwhelmed by my debts today and as you can see, the more often I visit, that means the more often I am in pain or really need a place to vent. I hope that my insight will help you.
One tip today: Yell at the collector. That's right. Yell at the collector and hang up. You will feel better. He or she will call back later when you're hopefully in a better mood.
