Depression 101

New Years Day is a perfect time to talk about debt and our obsession with keeping up with the Jones’. Buy It, Just Buy It, we hear all the time. Creditors slyly and stealthily draw people in with the promise of simple money, and then weep foul about how they are wronged and cheated when someone needs to discuss a change in terms. Something they insist on for themselves every year. You played by the rules. You were a fantastic customer, you paid your bills on time. But creditors act like vultures circling in the sky above. Raising rates and changing rules as you squirm on the ground. You are not a meal, you are a person.

Just one small bite. That’s all you need to get hooked. Like so many things it is so simple to get started down a terrible road. More and More and More until you can barely hang on. Then they change the rules. Just a sentence hear or there every year. But those changes add up. And what happens when your life runs into a hiccup?

And if you should fall or be knocked over by fate, then not only do you have your own problems and concerns to deal with, you have a fantastic many new friends who want to talk to you everyday at the most inconvenient times. They want to tell you how you owe them your blood and your life. It does not matter that they changed the rules on you. You know, that set of rules they change more and more to their favor every year when they send out those fascinating notices in copy you can’t possible read. Their lawyers make a new version for them to twist you in new and deceiving ways. They can hire lawyers you see, they are making fantastic returns off of you. You must still have some blood in you somewhere they can squeeze out. You knew better, but now they own you.

You reckon there is a government agency to protect you? Pleased New Year!! Not very likely!!

Start now with your children, and teach them how to manage money. Don’t let the next generation follow this path. If people find happiness in things, it is only for a small while. People matter. Families matter. Let’s turn back to what is truly vital.

For now, it’s time to admit your mistake, face the consequences, and go on with your life. Everyone makes mistakes. I did. Take your life back. Talk to a credit counseling agency. Talk to a bankruptcy lawyer. Talk to a debt settlement company. Get all the facts, and make a choice. You spent time getting here, now commit the time to get back. Your creditors have lawyers lined up against you. If you need a bankruptcy attorney or debt settlement lawyer to protect you and your family and delight in starting your life anew in a New Year then excellent for you!! You matter!! Your family matters!!

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