One of the hardest parts about getting through a financial struggle is creditors who don't understand the difference between someone who refuses to pay and someone who can't pay.
So they keep calling over and over and everything you say falls on deaf ears.
Maybe you have a dying spouse, or a very sick child. Perhaps you were the victim of a financial crime, or you lost your job. No matter how valid the reason is, collection agencies are typically insensitive to it.
The good new is that in both Canada and the US you can put an end to the telephone harassment.
Using this template to stop collection agencies helped me sleep at night and it will help you too so click here to download it now.