Thank you so much for deciding to make this credit counseling thing a career. After speaking with you today, I feel much better… so much shame is lifted from me.
It was never my intention to neglect my creditors. In fact, it was just life and circumstance. If I had had a dime to my name, I would have gladly turned it over to them, but I did not. It was a series of bad situations, or it was just life. One minute you are plugging away at a normal clip, and the next you find yourself ill prepared.
I am not trying to make excuses. I want to say thank your showing me a clear path. You have shown me that this is not impossible or hopeless. I feel that I can change my situation now.