If you are overwhelmed by bills or simply do not have the time to get organized and pay your invoices, the worst thing you can do is ignore them. I help people in this situation every day, and find that getting yourself out of the unpaid bill nightmare takes organization, budgeting, negotiation with creditors and communication. I do all this and more for clients as a daily money manger. You can find more information on my website, http://equitablepaperworksupport.com.
I have been on both sides of the fence working as a creditor or payee, and working on the client’s behalf as a representative for him or her. The worst thing you can do is ignore invoices all together. Looking at it from the creditor, no communication means one thing. “I don’t care and will not make an effort to pay.” From the view of the business you owe money to, there is nothing to do but send you a delinquency notice and inform you that the next step is sending you to collections. Your credit rating will drop, your ability to apply for credit will be limited, and you might even have your wages garnished if a Judgment is issued against you. Communication with the creditor will show that you are interested in clearing up your balance. I have found that most creditors are willing to work out mutually acceptable payment plan, because they realize that a plan is the only way they will get paid if you are having financial difficulties.
As soon as you see that you are having problems getting your payments out due to lack of time, lack of funds, lack of understanding of your invoices or health insurance, or are just simply disorganized, the time has arrived for you to seek help from a person such as myself, a daily money manager. The longer you wait, the greater the magnification of the problem. You can simply go to https://equitablepaperworksupport.com/contact-us/ or call me and I will be available to help you if you are in northern New Jersey or surrounding areas. If you are from a different area, I can refer you to someone that can help you.
Even if you think a problem cannot be solved, most times the answer is right in front of you. There is always a solution. Don’t be embarrassed to seek help. A daily money manger upholds strict confidentiality laws for your benefit and security.