Well, one thing I can share with you is that with my current employer, I do delinquent account calls. Here I am in a debt managment program, and I am probably going to end up like some of my clients.....
But, what I would like to share with you is that if you see that you are going to be unable to pay your creditors one month, give them a call before they start calling you or sending you letters in the mail. Even if they have started calling you, be sure to keep in contact with them and work things out with them. A majority of them appreciate that.