This will be the year for me to take care of my debt. I am somewhat ashamed that I haven’t done that all along, but if you don’t open the mail or answer the phone if you don’t recognize the telephone number it makes it so much easier to feed the fantasy that I don’t have any debts.
Take responsibility. Open the mail and answer the phone. Make payment arrangements and honestly look at what can and can’t be done right away. Better to face my fears instead of adding to my stress load. Get it over with and move on with my life.

