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When you do not have enough money to cover your family’s basic living expenses and pay all your creditors, you face some difficult financial decisions. When your bills exceed the money available to pay them, you will have to develop a revised payment plan in order to repay your debts. Before you can talk to your creditors, you need to take a hard look at your situation and make some decisions about how much and when you can pay. What assets (savings or items that could be sold) do you have that could be used to pay off your debt? Reading Sizing Up Your Financial Situation and Making the Most of What You Have can help you to answer these questions. A second method is to prioritize or list your creditors starting with the ones who will receive the most money.
Once you have calculated how much money your family has for monthly living expenses and for paying off debts, decide how much you can pay to each creditor, based on priorities you determined while answering the previous questions.
Once you have gathered the information you need, contact each creditor, explain your family’s situation, and work out a solution. A Sample_Letter_to_Creditors (jpeg) is provided to use as a guide when writing to creditors. If you fail to follow the plan that you and your creditors agreed upon, you will hurt your chances of getting future credit. If the bills are still not paid, they will probably be turned over to an independent collection agency. Repossession - The creditor can seize the item you bought or the property you used as collateral.
All of these actions are very serious and could jeopardize your ability to get credit in the future. Once you have worked out a repayment plan, follow through with it and make the payments you promised to make.
If you find yourself “over-extended” and you have tried financial counseling, budgeting, and reduced payments and still cannot make headway on debts, bankruptcy may become an option worth investigating. Bankruptcy is a federal court process designed to help consumers and businesses eliminate their debts or repay them under the protection of the bankruptcy court. In 2006, a new bankruptcy law went into effect which changed the requirements for people considering bankruptcy. Enter your email address to subscribe to this blog and receive notifications of new posts by email. Work absorption is one of the three attributes or hallmarks of work engagement, the others being vigor and dedication. You are demonstrating to the world who you are by what you do because a large part of what you do is who you are. While looking at someone who is completely absorbed by their work, it often becomes difficult to decide if they are working or if they are playing. More than likely, a truly absorbed individual is fully utilizing their unique set of natural talents and abilities to the fullest. It should now be crystal clear, being and feeling absorbed is a happier and healthier state in which to work than workaholism. People who are fully engaged in their work, as reflected by vigor, dedication and absorption, can become workaholic if they are not careful. The key is to strike a balance between one’s work life, family life, and social life, taking care to not let one become overriding causing another to suffer.
Even if you feel completely absorbed with your work, take the time to enjoy all of what life has to offer. It is possible to find purposeful work for which you are passionate, to feel truly engaged as exemplified by vigor, dedication and absorption. 9 Unmistakable Signs of Employee Dedication You Need to KnowIt’s possible to create a work environment which fosters an engaged and dedicated workforce. Sex Talk: The Secret to Male and Female CommunicationUnderstanding the purpose and value of gender-specific styles can help us appreciate ourselves and our partner more fully.
Uncover Your Front Row Factor in Your Relationships, Career, and LifeIn this episode of The Good Dad Project Podcast, Larry and Shawn speak with Front Row Foundation founder Jon Vroman.
Dear Dad: You Were in Life and Death, My Guiding MapFor the love of all things good, you helped me to make a difference. What Makes a Man Emotionally Attractive?Sharon Jenkins believes the fives senses are what binds the heart of a woman to a man. 31 Reasons to Join The Good Men Project Premium Member CommunityWhy what we are doing here is so important.

After you have a plan, you will have to contact the people to whom you owe money - your creditors - and explain your situation. If you have consistently paid bills when due, your creditors will be more cooperative than if you were late or did not make regular payments.
Completing Worksheet_-5_Debts_Owed(pdf) can help you get a clearer picture of what and how much you owe. Think about the worst consequences for your family if certain debts were not paid or if less were paid than the amount due.
You can lose your purchases if the creditor holds the title of the property as collateral or security for the loan: a home mortgage or car loan, for example. Personal finance companies want you to think so, but generally a consolidation loan charges a higher interest rate.
Nonpayment of debts is recorded on your credit record and can damage your ability to get credit in the future. You will need to tell them how much you are able to pay and when you will be able to pay it.
Visit the loan officer at your bank or credit union, the credit manager of local stores, and the budget counselor at the utility company. However, they will be more likely to work with your family if you contact them before they contact you. The counselor is qualified to prepare a budget plan that will be given to you and your creditors for approval. However, when the service prepares a debt repayment plan for you, a nominal fee may be charged to help with administrative costs. First you will receive a letter reminding you that you missed a payment and asking you to pay promptly. Get the name of the creditor and the name, address, and telephone number of the collection agency.
If you believe you do not owe the amount claimed or disagree in other ways, make your reasons known promptly in writing to both the creditor and the collection agency. If the sale of the property brings less than the amount you owe, you must pay the difference.
It usually takes about three months for the first court date to be set and action to begin.
You can reduce your chances of being harassed by creditors or collection agencies by communicating with your creditors and working out solutions for debt repayment early. Prompt action is very important; let your creditors know you are having trouble before you miss payments and the situation becomes worse.
Bankruptcy is good at wiping out credit card debt, but you may have trouble eliminating some other kinds of debts, including child support, alimony, most tax debts, student loans, and secured debts. All debtors now have to get credit counseling before they can file a bankruptcy case, and additional counseling on budgeting and debt management must be completed before their debts can be wiped out. When fully engaged in work a completely absorbed worker may have to be reminded to take a break, to eat or that it is time to go home. All work and no outside play will make Jack or Jane eventually hate their jobs, even if work seems like play. With an almost tranquil anxiousness you will look forward to getting back to the work you love, feeling blessed you have it to do. Are you doing your life’s work, what you were called to do, using your own natural and unique set of talents and abilities? Clark Gaither is a family physician, author, blogger, speaker, corporate consultant, and personal life coach. Your family should be part of the decision-making process, since their cooperation is essential to carry out the plans.
Creditors will usually work with you to adjust your payments because they want their money. If you have a loan with a lower interest rate, you may decide to pay off a higher interest credit card balance first, to reduce the amount of finance charges you are paying.
If you have only one or two payments to make on a loan, it is probably a good idea to finish paying it, getting that debt out of the way.
In addition, refinancing to smaller monthly payments will extend the number of payments you must make, adding to the total cost. That is why contacting all of your creditors immediately if you cannot pay your bills is important. Some businesses, such as utility companies, have special counselors for customers who cannot pay their bills.

As you negotiate with each of your creditors, do not agree to any plan simply to get off the hook. They all want their money and would rather get some money on a regular basis than have to begin collection procedures. If you owe a large amount of money and your creditors will not accept reduced payments, you may have to consider more extreme alternatives.
Local businesses pay the counseling service a fee for collecting the debts clients owe them. After that, you may receive a more direct letter demanding payment or you may get a phone call. If you fail to make payments, you will receive letters from a creditor’s attorney or collection agency warning you of the intended action. You are responsible for the legal fees of foreclosure and the difference between the selling price of the property and the amount owed on the loan. In addition, filing for bankruptcy brings long-term consequences for your financial situation and credit rating.
Some filers with higher incomes are not allowed to use Chapter 7, but instead have to repay at least some of their debt under Chapter 13.
For the sake of work enjoyment, feeling absorbed by one’s work is what every employee wants. They have found happiness and contentment on the corner one of the main avenues of their life — meaningful work.
If you feel you are more of a workaholic, have you considered making some changes to this one life you’ve been given? This is probably the fairest way, but it does not always work because every creditor must agree to reduce the amount they receive and extend the payment period. Until your financial situation improves, destroying your credit cards and closing your accounts may be a good idea. While a single loan may make payment easier, that is a small benefit considering the additional costs involved. If you can pay something on each debt, it is less likely that your financial problems will be reported on your credit record. These counselors can help you set up a budget plan to even out your payments during the year. A source of assistance with credit and money management problems is American Consumer Credit Counseling. The plan usually is all that is required unless there is an emergency or a change in your financial situation. For example, if the counselor collects $20 to pay a debt owed to a bank, the bank pays the counseling service a sum (such as $3) for collecting the debt. This will help everyone realize that changes and sacrifices must be made for your family’s plan to be successful. The workaholic has difficulty because the underlying motivation is a compulsion to work, not enjoyment. Burnout, he is an expert in the identification, mitigation, and prevention of physician job-related burnout. Unsecured debts may have to take lower priority, although you are obligated to pay them too. If you choose to voluntarily surrender the item, you will still be required to pay the difference between the market value of the item and the amount remaining on the loan. Remember, creditors accused of being angry or abusive may say it was the customer who was angry and abusive. PowerPay is a computer program that can help you decide which debt repayment plan will save you the most money in interest charges.
Follow the conversation with a letter summarizing the agreement between you and the creditor. What, then, is the difference between someone who is a bona fide workaholic and someone who is simply but tenaciously absorbed by what they do?
You need someone who goes out of their way to make it obvious that they want you in their life.

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