Life is Like a Wheel

Finally, I got in touch with the banks! I opened the envelopes one by one then started calling them. Yeah, I opened demand letters and collection notices. It caused me sleepless nights (?) anyways. He, he… Nah, I still sleep soundly. I know that I will be able to be debt free again in due time.

So, how was the conversation went? I told them that I cannot pay yet and may I seek for payment arrangement. The initial reaction on the other line was they cannot allow me and I have to settle the full amount already. I said I cannot and mentioned a specific date when I can start. Well, they said that they will just call me again.

Yeah, it is quite shameful being branded as a person who cannot pay her debts. Bt, can I just declare bankruptcy?

I tried to talk to persons who underwent the same situation and they said that they just waited for the bank’s offer for amnesty. At first, they said that I should expect to be bombarded with letters and calls then finally they will just stop and plead for me to pay a minimum amount.

But, I want to face all of these already. I hope I can.

Do you know someone that could help me?