Unless you have multiple ...

Unless you have multiple accounts that you need to negotiate and you think the project is just too big to tackle on your own, you\'re better off just calling your creditors directly.
Unless you have multiple accounts that you need to negotiate and you think the project is just too big to tackle on your own, you're better off just calling your creditors directly.
 Jean Chatzky

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When you have war, whether it's a war against drugs, war against terrorism, war overseas, the mentality of the people change and they're more willing to sacrifice their liberties in order to be safe and secure.
I was constantly told and challenged to live my life as a warrior. As a warrior, you assume responsibility for yourself. The warrior humbles himself. And the warrior learns the power of giving.
 Billy Mills
A warrior takes responsibility for his acts, for the most trivial of acts. An average man acts out his thoughts, and never takes responsibility for what he does.
I developed the concept of the Happy Warrior as a rallying cry for those of us who want to restore America to its great foundational principles: individual freedom, personal responsibility, fiscal restraint, and economic liberty.
 Monica Crowley
We are all warriors. Each of us struggles every day to define and defend our sense of purpose and integrity, to justify our existence on the planet and to understand, if only within our own hearts, who we are and what we believe in.
 Steven Pressfield

Quotes from the same author

Debt settlement companies work as a middleman between you and your creditor. If all goes well (and that's a big if), you should be able to settle your debts for cents on the dollar. You'll also pay a fee to the debt settlement company, usually either a percentage of the total debt you have or a percentage of the total amount forgiven.
 Jean Chatzky
If you are able to settle, you'll be getting off rather easy. Debt settlement companies can sometimes get you off the hook for a large percentage of your debt - in many cases, up to 50% will be written off.
 Jean Chatzky
If you have even a smidgen of doubt that you'll be able to stay away from racking up additional debt, don't do it.
 Jean Chatzky
Take the cards out of your wallet. A debit card is accepted just about everywhere that credit cards are, and you'll be spending money you have - always a good thing.
 Jean Chatzky
After explaining why you're in trouble, ask the creditor if the company would be willing to accept a smaller amount. Start negotiations at about 30% of the total amount due, with the end goal of paying 50%.
 Jean Chatzky