레이블이 Bad Debt IRS인 게시물을 표시합니다. 모든 게시물 표시
레이블이 Bad Debt IRS인 게시물을 표시합니다. 모든 게시물 표시

2013년 11월 25일 월요일

오전 8:14

By Anabel Buske

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About 'writing off bad debt'|Steve Keen on HardTalk: Write off the Debt!







About 'writing off bad debt'|Steve Keen on HardTalk: Write off the Debt!








Ｔｈｅｒｅ               ａｒｅ               ａｌｌｏｔ               ｏｆ               ｔｈｉｎｇｓ               ｐｅｏｐｌｅ               ｄｏ               ｔｈａｔ               ｄｏｎ'ｔ               ｒｅａｌｌｙ               ｓｅｅｍ               ｂａｄ               ａｔ               ｔｈｅ               ｔｉｍｅ.

Ｔｈｅｒｅ               ａｒｅ               ａｌｌｏｔ               ｏｆ               ｔｈｉｎｇｓ               ｔｈａｔ               ｐｅｏｐｌｅ               ｄｏ               ｔｈａｔ               ｔｈｅｙ               ｄｏｎ'ｔ               ｔｈｉｎｋ               ｗｉｌｌ               ａｆｆｅｃｔ               ｔｈｅｍ               ｉｎ               ｔｈｅ               ｆｕｔｕｒｅ.

Ｆｏｒ               ｉｎｓｔａｎｃｅ,               ｐｅｏｐｌｅ               ｄｏｎ'ｔ               ｏｆｔｅｎ               ｔｈｉｎｋ               ａｂｏｕｔ               ｔｈｅ               ｃｏｎｓｅｑｕｅｎｃｅｓ               ｏｆ               ｍａｋｉｎｇ               ｂａｄ               ｏｒ               ｉｍｐｕｌｓｉｖｅ               ｓｐｅｎｄｉｎｇ               ｄｅｃｉｓｉｏｎｓ.

Ｂｕｔ               ｉｎ               ｔｏｄａｙ'ｓ               ｄａｙ               ａｎｄ               ａｇｅ               ｏｆ               ｉｎｓｔａｎｔ               ｉｎｆｏｒｍａｔｉｏｎ,               ｃｒｅｄｉｔ               ｃａｎ               ｂｅｃｏｍｅ               ａ               ｓｅｒｉｏｕｓ               ｏｂｓｔａｃｌｅ               ｔｏ               ｔｈｅ               Ａｍｅｒｉｃａｎ               ｄｒｅａｍ.

Ｒｅｍｅｍｂｅｒ               ｔｈａｔ               ｔｅｌｅｐｈｏｎｅ               ｂｉｌｌ               ｔｈａｔ               ｙｏｕ               ｆｏｒｇｏｔ               ａｂｏｕｔ               ｗｈｅｎ               ｙｏｕ               ｍｏｖｅｄ               ｏｕｔ               ｏｆ               ｙｏｕｒ               ｆｉｒｓｔ               ａｐａｒｔｍｅｎｔ?

Ｏｒ               ｔｈｅ               ｕｔｉｌｉｔｙ               ｂｉｌｌ               ｔｈａｔ               ｙｏｕ               ｔｈｏｕｇｈｔ               ｙｏｕｒ               ｄｅｐｏｓｉｔ               ｗｏｕｌｄ               ｔａｋｅ               ｃａｒｅ               ｏｆ               ｗｈｅｎ               ｙｏｕ               ｍｏｖｅｄ               ｆｒｏｍ               ｙｏｕｒ               ｆｉｒｓｔ               ａｐａｒｔｍｅｎｔ               ｔｏ               ａ               ｎｉｃｅ               ｏｎｅ?

Ｗｅｌｌ,               ｂｅｌｉｅｖｅ               ｉｔ               ｏｒ               ｎｏｔ,               ｔｈｏｓｅ               ｌｉｔｔｌｅ               ｎｕｉｓａｎｃｅｓ               ｃａｎ               ｃｏｍｅ               ｂａｃｋ               ｔｏ               ｈａｕｎｔ               ｙｏｕ               ｙｅａｒｓ               ｉｎｔｏ               ｙｏｕｒ               ａｄｕｌｔ               ｌｉｆｅ.
               Ｍａｎｙ               ｙｏｕｎｇ               ａｄｕｌｔｓ               ｄｏ               ｎｏｔ               ｒｅａｌｉｚｅ               ｈｏｗ               ｄｅｔｒｉｍｅｎｔａｌ               ｌｅａｖｉｎｇ               ａ               ｂｉｌｌ               ｕｎｐａｉｄ               ｃａｎ               ｂｅ.

Ｍａｎｙ               ｏｔｈｅｒｓ               ｍａｋｅ               ｔｈｅ               ｄｅｃｉｓｉｏｎ               ｔｏ               ｌｅｔ               ｔｈｅｉｒ               ｃｒｅｄｉｔ               ｃａｒｄｓ               ｒｏｌｌ               ｏｖｅｒ               ｕｎｐａｉｄ               ａｎｄ               ｊｕｓｔ               ｓａｔｉｓｆｙ               ｔｈｅ               ｍｉｎｉｍｕｍ               ｂａｌａｎｃｅ               ｒｅｑｕｉｒｅｍｅｎｔｓ               ｉｎ               ｏｒｄｅｒ               ｔｏ               ｓｐｅｎｄ               ｔｈｅｉｒ               ｃａｓｈ               ｏｎ               ｏｔｈｅｒ               ｔｈｉｎｇｓ.

Ｍａｎｙ               ｐｅｏｐｌｅ               ｄｏ               ｎｏｔ               ｓｔａｒｔ               ｓａｖｉｎｇ               ｆｏｒ               ｅｍｅｒｇｅｎｃｉｅｓ               ｕｎｔｉｌ               ｉｔ               ｉｓ               ｔｏｏ               ｌａｔｅ.

Ｐｅｏｐｌｅ               ｏｆｔｅｎ               ｄｅｐｅｎｄ               ｏｎ               ｔｈｅｉｒ               ｃｒｅｄｉｔ               ｔｏ               ｈｅｌｐ               ｔｈｅｍ               ｔｈｒｏｕｇｈ               ｔｉｍｅｓ               ｏｆ               ｆｉｎａｎｃｉａｌ               ｔｒｏｕｂｌｅ.

Ｕｎｆｏｒｔｕｎａｔｅｌｙ               ｆｏｒ               ｍａｎｙ,               ｔｈｅｙ               ｆｉｎｄ               ｏｕｔ               ｔｏｏ               ｌａｔｅ               ｔｈａｔ               ｔｈｏｓｅ               ｌｉｔｔｌｅ               ｆｏｒｇｏｔｔｅｎ               ｂｉｌｌｓ               ａｎｄ               ｂａｄ               ｓｐｅｎｄｉｎｇ               ｄｅｃｉｓｉｏｎｓ               ｈａｖｅ               ｂｕｉｌｔ               ｕｐ               ａ               ｎｅｇａｔｉｖｅ               ｉｍｐａｃｔ               ｏｎ               ｔｈｅｉｒ               ｃｒｅｄｉｔ               ｓｃｏｒｅ               ｔｈａｔ               ｉｔ               ｗｉｌｌ               ｔａｋｅ               ｙｅａｒｓ               ｔｏ               ｅｒａｓｅ.
               Ｗｈａｔ               ｉｓ               ｃｒｅｄｉｔ?

Ｈｏｗ               ｄｏｅｓ               ｉｔ               ｗｏｒｋ?

Ｉｔ'ｓ               ａ               ｌｉｔｔｌｅ               ｍｏｒｅ               ｃｏｍｐｌｉｃａｔｅｄ               ｔｈａｎ               ｏｎｅ               ｍｉｇｈｔ               ｔｈｉｎｋ.

Ｃｒｅｄｉｔ               ｉｓ               ｗｈｅｎ               ｓｏｍｅｏｎｅ               ｌｅｎｄｓ               ｙｏｕ               ａ               ｓｅｒｖｉｃｅ               ｏｒ               ａ               ｃｏｍｍｏｄｉｔｙ               ｉｎ               ｔｈｅ               ｐｒｏｍｉｓｅ               ｔｈａｔ               ｙｏｕ               ｗｉｌｌ               ｒｅｐａｙ               ｔｈｅ               ｃｏｓｔ               ｏｆ               ｉｔ               ｗｉｔｈ               ｉｎｔｅｒｅｓｔ.

Ｔｈｅ               ｉｎｔｅｒｅｓｔ               ｉｓ               ｗｈａｔ               ａｌｌｏｗｓ               ｔｈｅ               ｃｏｍｐａｎｙ               ｏｒ               ｉｎｄｉｖｉｄｕａｌ               ｔｏ               ｅｘｔｅｎｄ               ｙｏｕ               ｃｒｅｄｉｔ               ｂｅｃａｕｓｅ               ｔｈｅｙ               ｋｎｏｗ               ｔｈｅｙ               ｗｉｌｌ               ｇｅｔ               ｍｏｒｅ               ｆｏｒ               ｔｈｅ               ｃｏｍｍｏｄｉｔｙ               ｏｒ               ｓｅｒｖｉｃｅ               ｔｈａｎ               ｉｔ               ｉｓ               ａｃｔｕａｌｌｙ               ｖａｌｕｅｄ               ａｔ.

Ｙｏｕ               ａｒｅ               ｂｕｙｉｎｇ               ｓｏｍｅｔｈｉｎｇ               ａｔ               ａ               ｍｏｒｅ               ｔｈａｎ               ｍａｒｋｅｔ               ｖａｌｕｅ               ｒａｔｅ               ｉｎ               ｒｅｔｕｒｎ               ｆｏｒ               ｐａｙｉｎｇ               ｆｏｒ               ｉｔ               ｏｖｅｒ               ａ               ｐｅｒｉｏｄ               ｏｆ               ｔｉｍｅ               ｉｎｓｔｅａｄ               ｏｆ               ａｌｌ               ａｔ               ｏｎｃｅ.
               Ａ               ｃｒｅｄｉｔ               ｓｃｏｒｅ               ｉｓ               ｈｏｗ               ｃｏｍｐａｎｉｅｓ               ａｎｄ               ｂｕｓｉｎｅｓｓｅｓ               ｒａｔｅ               ｙｏｕｒ               ｒｅｌｉａｂｉｌｉｔｙ               ｆｏｒ               ｈａｖｉｎｇ               ｃｒｅｄｉｔ               ｅｘｔｅｎｄｅｄ               ｔｏ               ｙｏｕ.

Ｔｈｉｓ               ｉｓ               ｗｈｅｒｅ               ｉｔ               ｇｅｔｓ               ａ               ｌｉｔｔｌｅ               ｍｏｒｅ               ｃｏｍｐｌｉｃａｔｅｄ.

Ｂｕｓｉｎｅｓｓ'ｓ               ａｓｓｅｓｓ               ｙｏｕｒ               ｂｕｙｉｎｇ               ｈｉｓｔｏｒｙ,               ｓｕｃｈ               ａｓ               ｏｔｈｅｒ               ｃｒｅｄｉｔ               ｔｈａｔ               ｈａｓ               ｂｅｅｎ               ｅｘｔｅｎｄｅｄ               ｔｏ               ｙｏｕ               ａｎｄ               ｈｏｗ               ｙｏｕ               ｈａｖｅ               ｃｏｍｐｌｉｅｄ               ｔｏ               ｔｈｅ               ａｇｒｅｅｄ               ｕｐｏｎ               ｐｌａｎ               ｏｆ               ｐａｙｉｎｇ               ｉｔ               ｂａｃｋ.

Ｔｈｅｙ               ｌｏｏｋ               ａｔ               ｔｈｉｎｇｓ               ｓｕｃｈ               ａｓ               ｙｏｕｒ               ｈｉｓｔｏｒｙ               ｏｆ               ｍａｋｉｎｇ               ｐａｙｍｅｎｔｓ               ｏｎ               ｔｉｍｅ,               ｃｏｍｐｌｅｔｉｎｇ               ｐａｙｍｅｎｔ               ｐｌａｎｓ,               ａｎｄ               ｔｈｅ               ｋｉｎｄｓ               ｏｆ               ｉｔｅｍｓ               ｙｏｕ               ｈａｖｅ               ｂｏｕｇｈｔ               ｏｎ               ｃｒｅｄｉｔ               ｔｏ               ｅｖａｌｕａｔｅ               ｗｈａｔ               ｋｉｎｄ               ｏｆ               ｒｉｓｋ               ｔｈｅｙ               ｗｉｌｌ               ｔａｋｅ               ｉｆ               ｔｈｅｙ               ｅｘｔｅｎｄ               ｙｏｕ               ｃｒｅｄｉｔ.

Ｓｏｍｅ               ｃｏｍｐａｎｉｅｓ               ｒｅｑｕｉｒｅ               ｌｉｔｔｌｅ               ｏｒ               ｎｏ               ｈｉｓｔｏｒｙ               ｂｅｆｏｒｅ               ｅｘｔｅｎｄｉｎｇ               ｃｒｅｄｉｔ.

Ｓｏｍｅ               ｃｏｍｐａｎｉｅｓ               ｗｉｌｌ               ｔａｋｅ               ｃｌｉｅｎｔｓ               ｗｉｔｈ               ｈｉｇｈ               ｒｉｓｋ               ｈｉｓｔｏｒｉｅｓ               ｏｆ               ｃｒｅｄｉｔ               ｉｎ               ｏｒｄｅｒ               ｔｏ               ｊｕｓｔｉｆｙ               ｃｈａｒｇｉｎｇ               ｅｘｈｏｒｂａｎｔ               ｉｎｔｅｒｅｓｔ               ｒａｔｅｓ               ａｎｄ               ｉｎｃｒｅａｓｅ               ｔｈｅｉｒ               ｐｒｏｆｉｔａｂｉｌｉｔｙ               ｆｏｒ               ａｌｌｏｗｉｎｇ               ｔｈｅ               ｔｒａｎｓａｃｔｉｏｎ               ｔｏ               ｂｅ               ｃｏｍｐｌｅｔｅｄ.

Ｓｏｍｅ               ｃｏｍｐａｎｉｅｓ               ｒｅｑｕｉｒｅ               ａ               ｗｅｌｌ               ｅｓｔａｂｌｉｓｈｅｄ               ｈｉｓｔｏｒｙ               ｉｎ               ｏｒｄｅｒ               ｔｏ               ｐｕｒｃｈａｓｅ               ｇｏｏｄｓ               ａｎｄ               ｓｅｒｖｉｃｅｓ               ｏｎ               ｃｒｅｄｉｔ               ｆｒｏｍ               ｔｈｅｍ.
               Ｄｕｅ               ｔｏ               ｔｈｅ               ｃｏｓｔ               ｏｆ               ｌａｒｇｅ               ｐｕｒｃｈａｓｅｓ               ｓｕｃｈ               ａｓ               ａ               ｈｏｕｓｅ,               ｂｏａｔ,               ｃａｒ               ｏｒ               ｏｔｈｅｒ               ｅｘｐｅｎｓｉｖｅ               ｃｏｍｍｏｄｉｔｙ,               ｆｅｗ               ｐｅｏｐｌｅ               ｃａｎ               ａｆｆｏｒｄ               ｔｏ               ｈａｖｅ               ｔｈｅｓｅ               ｔｈｉｎｇｓ               ｗｉｔｈｏｕｔ               ｈａｖｉｎｇ               ｔｏ               ｕｓｅ               ｃｒｅｄｉｔ               ａｎｄ               ａ               ｒｅａｓｏｎａｂｌｅ               ａｍｏｕｎｔ               ｏｆ               ｃｒｅｄｉｔ               ｈｉｓｔｏｒｙ.

Ｔｈｅ               ｂｅｔｔｅｒ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｓｃｏｒｅ               ｏｒ               ｈｉｓｔｏｒｙ               ｏｆ               ｃｒｅｄｉｔ,               ｔｈｅ               ｌｏｗｅｒ               ｔｈｅ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ｏｒ               ｃｏｓｔ               ｏｆ               ａｌｌｏｗｉｎｇ               ｔｈｅ               ｉｔｅｍ               ｔｏ               ｂｅ               ｂｏｕｇｈｔ               ｏｎ               ｃｒｅｄｉｔ.
               Ｂｕｔ               ｈｏｗ               ｄｏ               ｙｏｕ               ａｖｏｉｄ               ｂａｄ               ｃｒｅｄｉｔ               ｔｏ               ｂｅｇｉｎ               ｗｉｔｈ?

Ｃｈｅｃｋ               ｏｕｔ               ｔｈｉｓ               ｌｉｓｔ               ｏｆ               ｔｈｉｎｇｓ               ｔｈａｔ               ｗｉｌｌ               ｃａｕｓｅ               ｂａｄ               ｃｒｅｄｉｔ               ｂｅｆｏｒｅ               ｙｏｕ               ｋｎｏｗ               ｉｔ               ａｎｄ               ｈｏｗ               ｔｏ               ａｖｏｉｄ               ｔｈｅｍ.
               1.

Ｎｅｖｅｒ,               Ｎｅｖｅｒ,               Ｎｅｖｅｒ               ｗｒｉｔｅ               ａ               ｃｈｅｃｋ               ｔｈａｔ               ｙｏｕ               ｋｎｏｗ               ｙｏｕ               ｄｏｎ'ｔ               ｈａｖｅ               ｔｈｅ               ｍｏｎｅｙ               ｉｎ               ｔｈｅ               ｂａｎｋ               ｔｏ               ｃｏｖｅｒ.

Ｅｖｅｎ               ｉｆ               ｙｏｕ               ｈａｖｅ               ａｎ               ｏｖｅｒｄｒａｆｔ               ｌｏａｎ               ｏｎ               ｙｏｕｒ               ｃｈｅｃｋｉｎｇ               ａｃｃｏｕｎｔ,               ｔｈｅ               ｆａｃｔ               ｔｈａｔ               ｔｈｅ               ｃｈｅｃｋ               ｃｏｍｅｓ               ｔｏ               ｔｈｅ               ｂａｎｋ               ａｎｄ               ｔｈｅｙ               ｈａｖｅ               ｔｏ               ｐａｙ               ｉｔ               ｆｏｒ               ｙｏｕ               ｓｈｏｗｓ               ｕｐ               ｏｎ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｈｉｓｔｏｒｙ               ａｓ               ａ               ｎｅｇａｔｉｖｅ               ｍａｒｋ.

Ｔｈｏｕｇｈ               ｍｏｓｔ               ｐｅｏｐｌｅ               ｔｈｉｎｋ               ｔｈｉｓ               ｗｏｕｌｄ               ｎｅｖｅｒ               ｂｅ               ａ               ｐｒｏｂｌｅｍ               ｆｏｒ               ｔｈｅｍ,               ｌｏｔ'ｓ               ｏｆ               ｐｅｏｐｌｅ               ａｒｅ               ｇｕｉｌｔｙ               ｏｆ               ｗｒｉｔｉｎｇ               ｔｈａｔ               ｔｗｅｎｔｙ               ｄｏｌｌａｒ               ｇａｓ               ｃｈｅｃｋ               ａ               ｄａｙ               ｂｅｆｏｒｅ               ｐａｙｄａｙ,               ｃｒｏｓｓｉｎｇ               ｔｈｅｉｒ               ｆｉｎｇｅｒｓ               ｔｈａｔ               ｔｈｅｉｒ               ｐａｙｃｈｅｃｋ               ｇｅｔｓ               ｔｏ               ｔｈｅ               ｂａｎｋ               ｂｅｆｏｒｅ               ｔｈｅｉｒ               ｌｏｃａｌ               ｇｒｏｃｅｒｙ.

ＡＶＯＩＤ               ＴＨＥ               ＴＥＭＰＴＡＴＴＩＯＮ.
               2.

Ｉｆ               ｙｏｕ               ｅｖｅｒ               ｄｏ               ｈａｖｅ               ａ               ｃｈｅｃｋ               ｔｈａｔ               ｂｏｕｎｃｅｓ,               ｐａｙ               ｉｔ               ｏｆｆ,               ＩＭＭＥＤＩＡＴＥＬＹ,               ｗｉｔｈ               ｃａｓｈ,               ｔｈｅｎ               ｐａｙ               ｏｆｆ               ｔｈｅ               ｂａｎｋ               ｆｅｅ               ＩＭＭＥＤＩＡＴＥＬＹ.

Ｔｈｉｓ               ｗｉｌｌ               ｐｒｅｖｅｎｔ               ｔｈｅ               ｃｈｅｃｋ               ｆｒｏｍ               ｂｅｉｎｇ               ｒｅｔｕｒｎｅｄ               ａｇａｉｎ.

Ｍｅｒｃｈａｎｔｓ               ｃａｎ               ｐｒｅｓｅｎｔ               ａ               ｃｈｅｃｋ               ｔｏ               ｔｈｅ               ｂａｎｋ               ｆｏｒ               ｐａｙｍｅｎｔ               ａｓ               ｍａｎｙ               ａｓ               ｔｈｒｅｅ               ｔｉｍｅｓ               ｂｅｆｏｒｅ               ｔｈｅｙ               ａｃｔｕａｌｌｙ               ｃｏｎｓｉｄｅｒ               ｉｔ               ｂｏｕｎｃｅｄ               ａｎｄ               ｔｈｅ               ｂａｎｋ               ｗｉｌｌ               ｃｈａｒｇｅ               ｙｏｕ               ｆｏｒ               ｅａｃｈ               ｒｅｔｕｒｎ               ｓｅｐａｒａｔｅｌｙ.
               3.

Ｉｆ               ｙｏｕ               ａｂｓｏｌｕｔｅｌｙ               ｍｕｓｔ               ｈａｖｅ               ｃｒｅｄｉｔ               ｃａｒｄｓ,               ｇｅｔ               ｏｎｅ               ｔｈａｔ               ｈａｓ               ａ               ｌｏｗ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ,               ｏｒ               ｎｏｎｅ               ａｔ               ａｌｌ.

Ａｌｗａｙｓ               ｍａｋｅ               ｏｎｅ               ｐｕｒｃｈａｓｅ               ａｔ               ａ               ｔｉｍｅ               ｕｎｌｅｓｓ               ｉｎ               ｃａｓｅｓ               ｏｆ               ｅｘｔｒｅｍｅ               ｅｍｅｒｇｅｎｃｉｅｓ,               ａｎｄ               ｐａｙ               ｔｈｅ               ｃｏｍｐｌｅｔｅ               ｂａｌａｎｃｅ               ｏｆ               ｉｔ               ｏｆｆ               ｂｅｆｏｒｅ               ｙｏｕｒ               ｍｏｎｔｈｌｙ               ｂｉｌｌｉｎｇ               ｃｙｃｌｅ               ｃｏｍｅｓ               ｄｕｅ.

Ｔｈｉｓ               ｇｏｅｓ               ｄｏｗｎ               ａｓ               ａ               ｇｏｏｄ               ｃｒｅｄｉｔ               ｍａｒｋ               ａｎｄ               ｋｅｅｐｓ               ｙｏｕ               ｆｒｏｍ               ｒａｃｋｉｎｇ               ｕｐ               ｅｘｔｒａ               ｆｅｅｓ               ｆｏｒ               ｅｘｔｅｎｄｅｄ               ｉｎｔｅｒｅｓｔ.

Ａｌｓｏ,               ｔｒｙ               ｔｏ               ｓａｖｅ               ｌａｒｇｅ               ｐｕｒｃｈａｓｅｓ               ｗｉｔｈ               ｉｔ               ｆｏｒ               ｅｍｅｒｇｅｎｃｉｅｓ               ｏｎｌｙ,               ｓｍａｌｌｅｒ               ｐｕｒｃｈａｓｅｓ               ａｒｅ               ｅａｓｉｅｒ               ｔｏ               ｐａｙ               ｏｆｆ.
               4.

Ａｖｏｉｄ               ｌｏａｎｓ               ｆｏｒ               ｔｒｉｖｉａｌ               ｐｕｒｓｕｉｔｓ.

Ｍａｎｙ               ｂａｎｋｓ               ｏｆｆｅｒ               ｓｍａｌｌ               ｌｏａｎｓ               ｆｏｒ               ｐｅｒｓｏｎａｌ               ｕｓａｇｅ.

Ｗｈｉｌｅ               ｔｈｉｓ               ｈａｓ               ｏｆｔｅｎ               ｂｅｅｎ               ｔｏｕｔｅｄ               ａｓ               ａ               ｇｏｏｄ               ｗａｙ               ｔｏ               ｂｕｉｌｄ               ｃｒｅｄｉｔ               ａｔ               ａ               ｂａｎｋ               ｂｙ               ｒｅｐａｙｉｎｇ               ｉｔ               ｏｎ               ｔｉｍｅ,               ｉｔ               ｉｓ               ｎｏｔ               ｔｈａｔ               ｇｒｅａｔ               ｏｆ               ａ               ｃｒｅｄｉｔ               ｍａｒｋ,               ｏｔｈｅｒ               ｔｈａｎ               ｔｏ               ｓｈｏｗ               ａ               ｇｏｏｄ               ｐａｙｍｅｎｔ               ｈｉｓｔｏｒｙ,               ｗｈｉｃｈ               ｙｏｕ               ｃａｎ               ｄｏ               ｂｙ               ｐａｙｉｎｇ               ｙｏｕｒ               ｕｔｉｌｉｔｙ               ｂｉｌｌｓ               ｏｎ               ｔｉｍｅ.
               5.

Ｄｏｎ'ｔ               ｓｉｇｎ               ｗｉｔｈ               ｔｈｅ               ｆｉｒｓｔ               ｍｏｒｔｇａｇｅ               ｂｒｏｋｅｒ               ｔｈａｔ               ｏｆｆｅｒｓ               ｙｏｕ               ｗｈａｔ               ｙｏｕ               ｔｈｉｎｋ               ｉｓ               ａ               ｇｏｏｄ               ｄｅａｌ               ｗｈｅｎ               ｂｕｙｉｎｇ               ａ               ｈｏｍｅ.

Ｔｈｅｓｅ               ｃｏｍｐａｎｉｅｓ               ｃｏｍｐｅｔｅ               ｆｏｒ               ｙｏｕｒ               ｂｕｓｉｎｅｓｓ.

Ｉｆ               ｙｏｕ               ｓｈｏｐ               ｃａｒｅｆｕｌｌｙ,               ｙｏｕ               ｗｉｌｌ               ｆｉｎｄ               ａ               ｇｏｏｄ               ｂｒｏｋｅｒ               ｔｈａｔ               ｗｉｌｌ               ｗｏｒｋ               ｗｉｔｈ               ｙｏｕ               ｔｏ               ｍａｋｅ               ｐａｙｍｅｎｔｓ               ｙｏｕ               ｋｎｏｗ               ｙｏｕ               ｃａｎ               ａｆｆｏｒｄ               ｗｉｔｈ               ａ               ｒｅａｓｏｎａｂｌｅ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ.

Ａｖｏｉｄ               ｐｒｅｄａｔｏｒｙ               ｌｅｎｄｉｎｇ               ｂｙ               ｃｈｅｃｋｉｎｇ               ｏｕｔ               ｙｏｕｒ               ｂｒｏｋｅｒ               ｔｈｏｒｏｕｇｈｌｙ               ｂｅｆｏｒｅ               ｄｅｃｉｄｉｎｇ               ｏｎ               ｗｈｉｃｈ               ｏｎｅ               ｙｏｕｒ               ｇｏｉｎｇ               ｔｏ               ｓｐｅｎｄ               ａｔ               ｌｅａｓｔ               ｔｈｅ               ｎｅｘｔ               10-20               ｙｅａｒｓ               ｏｆ               ｙｏｕｒ               ｌｉｆｅ               ｄｅａｌｉｎｇ               ｗｉｔｈ               ｏｎ               ａ               ｍｏｎｔｈｌｙ               ｂａｓｉｓ.
               6.

Ｗｈｅｎ               ｍｏｖｉｎｇ,               ＡＬＷＡＹＳ               ｐａｙ               ｏｆｆ               ｙｏｕｒ               ｌａｓｔ               ｕｔｉｌｉｔｙ               ｂｉｌｌｓ,               ｏｎ               ｔｉｍｅ,               ｊｕｓｔ               ａｓ               ｉｆ               ｙｏｕ               ｗｅｒｅ               ｓｔｉｌｌ               ｌｉｖｉｎｇ               ｔｈｅｒｅ               ａｎｄ               ｈａｄ               ｔｏ               ｐａｙ               ｔｈｅｍ.

Ｔｈｅ               ｄｅｐｏｓｉｔ               ｉｓ               ｓｅｐａｒａｔｅ               ａｎｄ               ｄｏｅｓ               ｎｏｔ               ｃｏｖｅｒ               ｔｈｅ               ｂｉｌｌ.

Ｉｆ               ｉｔ               ｉｓ               ｅｖｅｎｔｕａｌｌｙ               ａｐｐｌｉｅｄ               ｔｏｗａｒｄｓ               ａｎ               ｏｕｔｓｔａｎｄｉｎｇ               ｂａｌａｎｃｅ,               ｉｔ               ｗｉｌｌ               ｐｒｏｂａｂｌｙ               ｓｔｉｌｌ               ｎｏｔ               ｃｏｍｐｌｅｔｅｌｙ               ｃｏｖｅｒ               ｉｔ               ａｎｄ               ｙｏｕ               ｗｉｌｌ               ｈａｖｅ               ｍａｒｋｅｄ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｂｙ               ｎｏｔ               ｃｏｍｐｌｅｔｉｎｇ               ｔｈｅ               ｐａｙｍｅｎｔ               ａｇｒｅｅｍｅｎｔ               ｗｉｔｈ               ｔｈｅ               ｕｔｉｌｉｔｙ               ｃｏｍｐａｎｙ.

Ｔｈｅｓｅ               ｇｕｙｓ               ｒｅａｌｌｙ               ａｒｅ               ｐｅｔｔｙ               ｅｎｏｕｇｈ               ｔｏ               ｒｅｐｏｒｔ               ａ               15               ｄｏｌｌａｒ               ｏｕｔｓｔａｎｄｉｎｇ               ｂａｌａｎｃｅ               ｏｎ               ｙｏｕｒ               ｆｉｎａｌ               ｂｉｌｌ.
               7.

Ａｖｏｉｄ               ａｎｙ               ｋｉｎｄ               ｏｆ               ｐｅｒｓｏｎａｌ               ｔａｂ               ａｔ               ｌｏｃａｌ               ｅｓｔａｂｌｉｓｈｍｅｎｔｓ.

Ｍａｎｙ               ｓｍａｌｌ               ｂｕｓｉｎｅｓｓｅｓ               ｗｉｌｌ               ｅｘｔｅｎｄ               ａ               ｃｏｕｒｔｅｓｙ               ｔａｂ               ｃｒｅｄｉｔ               ｔｏ               ｅｓｔａｂｌｉｓｈｅｄ               ｒｅｇｕｌａｒ               ｃｕｓｔｏｍｅｒｓ               ｏｒ               ｔｈｏｓｅ               ｗｈｏ               ｌｉｖｅ               ｉｎ               ｔｈｅ               ｌｏｃａｌ               ａｒｅａ.

Ｉｆ               ｓｏｍｅｔｈｉｎｇ               ｈａｐｐｅｎｓ               ｗｈｅｒｅ               ｙｏｕ               ｃａｎｎｏｔ               ｐａｙ               ｔｈｅｓｅ               ｏｆｆ               ｏｎ               ｔｉｍｅ,               ｔｈｅｙ               ｂｅｃｏｍｅ               ｂｌｉｇｈｔｓ               ｏｎ               ｙｏｕｒ               ｐｅｒｓｏｎａｌ               ｃｒｅｄｉｔ               ｓｃｏｒｅ               ａｎｄ               ｃａｎ               ｅｖｅｎ               ｇｅｔ               ｙｏｕ               ａｒｒｅｓｔｅｄ               ｊｕｓｔ               ｌｉｋｅ               ａ               ｂａｄ               ｃｈｅｃｋ.

Ｄｏ               ｙｏｕ               ｒｅａｌｌｙ               ｗａｎｔ               ｔｏ               ｅｘｐｌａｉｎ               ｔｏ               ｔｈｅ               ｌｏａｎ               ｏｆｆｉｃｅｒ               ａｔ               ｙｏｕｒ               ｂａｎｋ               ｔｈａｔ               ｙｏｕ               ｇｏｔ               50               ｐｏｉｎｔｓ               ｔａｋｅｎ               ｏｆｆ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｓｃｏｒｅ               ｂｅｃａｕｓｅ               ｙｏｕ               ｄｉｄｎ'ｔ               ｐａｙ               ｙｏｕｒ               ｂｅｅｒ               ｔａｂ?
               8.

Ｏｐｅｎ               ｔｗｏ               ｃｈｅｃｋｉｎｇ               ａｃｃｏｕｎｔｓ               ａｎｄ               ａ               ｓａｖｉｎｇｓ               ａｃｃｏｕｎｔ.

Ｍａｋｅ               ｏｎｅ               ａｃｃｏｕｎｔ               ｓｔｒｉｃｔｌｙ               ａ               ｂｉｌｌ               ｐａｙｉｎｇ               ａｃｃｏｕｎｔ               ｆｏｒ               ｒｅｃｕｒｒｉｎｇ               ｐａｙｍｅｎｔｓ               ｓｕｃｈ               ａｓ               ｕｔｉｌｉｔｉｅｓ               ａｎｄ               ｒｅｎｔ               ｏｒ               ｈｏｕｓｅ               ｐａｙｍｅｎｔｓ               ａｎｄ               ｃａｒ               ｐａｙｍｅｎｔｓ.

Ｍａｎｙ               ｕｔｉｌｉｔｙ               ｃｏｍｐａｎｉｅｓ               ａｎｄ               ｌｏａｎ               ｃｏｍｐａｎｉｅｓ               ｏｆｆｅｒ               ｅｌｅｃｔｒｏｎｉｃ               ｐａｙｍｅｎｔ               ｏｐｔｉｏｎｓ               ｓｏ               ｔｈａｔ               ｙｏｕ               ｃａｎ               ｈａｖｅ               ｙｏｕｒ               ｂｉｌｌｓ               ｄｅｄｕｃｔｅｄ               ａｕｔｏｍａｔｉｃａｌｌｙ               ｅｖｅｒｙ               ｍｏｎｔｈ               ｏｎ               ａ               ｃｅｒｔａｉｎ               ｄａｔｅ.

Ｕｓｅ               ｔｈｅ               ｏｔｈｅｒ               ａｃｃｏｕｎｔ               ａｓ               ａ               ｍｉｓｃｅｌｌａｎｅｏｕｓ               ａｃｃｏｕｎｔ.

Ｕｓｅ               ｔｈｉｓ               ａｃｃｏｕｎｔ               ｆｏｒ               ｉｍｐｕｌｓｅ               ｂｕｙｓ               ａｎｄ               ｎｏｎ               ｅｓｓｅｎｔｉａｌ               ｉｔｅｍｓ.

Ｉｔ               ｗｏｒｋｓ               ａｓ               ａ               ｂａｃｋ               ｕｐ               ｓａｖｉｎｇｓ               ａｃｃｏｕｎｔ               ａｓ               ｗｅｌｌ               ａｓ               ｄｉｖｅｒｔｉｎｇ               ｙｏｕｒ               ｉｍｐｏｒｔａｎｔ               ｃｈｅｃｋｓ               ｆｒｏｍ               ｂｏｕｎｃｉｎｇ               ｉｆ               ｙｏｕ               ｄｏ               ｈａｖｅ               ａ               ｃｌｅｒｉｃａｌ               ｅｒｒｏｒ.

Ｉｔ               ａｌｓｏ               ｋｅｅｐｓ               ｙｏｕ               ｆｒｏｍ               ｉｍｐｕｌｓｉｖｅｌｙ               ｂｕｙｉｎｇ               ｔｈｉｎｇｓ               ｙｏｕ               ｗａｎｔ               ｂｕｔ               ｄｏｎ'ｔ               ｎｅｅｄ               ａｎｄ               ｄｏｎ'ｔ               ｈａｖｅ               ｔｈｅ               ｍｏｎｅｙ               ｔｏ               ｐａｙ.

Ａｎ               ｅｘｔｒａ               ｔｉｐ,               ａｌｗａｙｓ               ｐｕｔ               ａｔ               ｌｅａｓｔ               ｔｅｎ               ｐｅｒｃｅｎｔ               ｏｆ               ｅｖｅｒｙ               ｐａｙｃｈｅｃｋ               ｉｎｔｏ               ｙｏｕｒ               ｓａｖｉｎｇｓ               ａｃｃｏｕｎｔ               ａｎｄ               ｎｅｖｅｒ               ｔｏｕｃｈ               ｉｔ               ｕｎｌｅｓｓ               ｉｔ               ｉｓ               ａｎ               ｅｘｔｒｅｍｅ               ｅｍｅｒｇｅｎｃｙ.

Ｙｏｕ               ｃａｎ               ａｌｓｏ               ｏｐｅｎ               ｕｐ               ａ               ｍｅｄｉｃａｌ               ｓａｖｉｎｇｓ               ａｃｃｏｕｎｔ               ｗｈｉｃｈ               ｗｏｒｋｓ               ａｓ               ａ               ｋｉｎｄ               ｏｆ               ｔａｘ               ｓｈｅｌｔｅｒ               ａｎｄ               ａｌｌｏｗｓ               ｙｏｕ               ｔｏ               ｓａｖｅ               ｆｏｒ               ａｎｄ               ｐａｙ               ｆｏｒ               ｍｅｄｉｃａｌ               ｅｘｐｅｎｓｅｓ               ａｓ               ｔｈｅｙ               ａｒｉｓｅ.
               9.

Ｎｅｖｅｒ               ｂｕｙ               ａｎｙｔｈｉｎｇ               ｏｎ               ｃｒｅｄｉｔ               ｔｈａｔ               ｈａｓ               ｐａｙｍｅｎｔｓ               ｗｈｉｃｈ               ｅｘｃｅｅｄ               ｏｎｅ               ｔｈｉｒｄ               ｏｆ               ｙｏｕｒ               ｎｅｔ               ｍｏｎｔｈｌｙ               ｉｎｃｏｍｅ.

Ｐｅｏｐｌｅ               ｒｕｎ               ｉｎｔｏ               ｃｒｅｄｉｔ               ｐｒｏｂｌｅｍｓ               ｗｈｅｎ               ｔｈｅｙ               ｂｕｙ               ｉｔｅｍｓ               ｗｈｉｃｈ               ｈａｖｅ               ｅｘｃｅｓｓｉｖｅ               ｐａｙｍｅｎｔｓ               ｔｈａｔ               ｔｈｅｙ               ｍａｙ               ｂｅ               ａｂｌｅ               ｔｏ               ｐａｙ,               ｂｕｔ               ｃｕｔ               ｒｅａｌｌｙ               ｃｌｏｓｅ               ｔｏ               ｔｈｅｉｒ               ｍａｒｇｉｎ               ｏｆ               ｓａｆｅｔｙ               ｂｙ               ｓｈａｖｉｎｇ               ｏｆｆ               ｏｆ               ｔｈｅｉｒ               ｃｏｓｔ               ｏｆ               ｌｉｖｉｎｇ               ｉｎｃｏｍｅ.

Ｉｆ               ｔｈｅｒｅ               ｉｓ               ｅｖｅｒ               ａ               ｐｒｏｂｌｅｍ               ｗｉｔｈ               ｔｈｅｉｒ               ｉｎｃｏｍｅ               ｏｒ               ａｎ               ｕｎｐｌａｎｎｅｄ               ｆｏｒ               ｅｘｐｅｎｓｅ,               ｔｈｅｓｅ               ｐａｙｍｅｎｔｓ               ｂｅｃｏｍｅ               ｉｎｓｕｒｍｏｕｎｔａｂｌｅ               ｏｂｓｔａｃｌｅｓ,               ｏｆｔｅｎ               ｇｅｔ               ｐａｉｄ               ｌａｔｅ               ａｎｄ               ｂｅｃｏｍｅ               ｃｒｅｄｉｔ               ｓｏｆｔ               ｓｐｏｔｓ               ｏｎ               ｙｏｕｒ               ｒｅｃｏｒｄ.

Ｌｅｎｄｉｎｇ               ｅｓｔａｂｌｉｓｈｍｅｎｔｓ               ｗｉｌｌ               ｌｅｎｄ               ｙｏｕ               ｃｒｅｄｉｔ               ｂａｓｅｄ               ｏｎ               ｙｏｕｒ               ｇｒｏｓｓ               ｉｎｃｏｍｅ,               ｂｕｔ               ｙｏｕｒ               ｎｅｔ               ｉｓ               ｗｈａｔ               ｙｏｕ               ａｃｔｕａｌｌｙ               ｈａｖｅ               ａｓ               ｄｉｓｐｏｓａｂｌｅ,               ｔｈｕｓ,               ｏｎｅ               ｔｈｉｒｄ               ｏｆ               ｙｏｕｒ               ｎｅｔ               ｎｏｔ               ｇｒｏｓｓ               ｉｎｃｏｍｅ               ｉｓ               ｐｒｏｂａｂｌｙ               ａ               ｇｏｏｄ               ｒｕｌｅ               ｏｆ               ｔｈｕｍｂ               ｔｏ               ｓｅｔ               ａｓ               ａ               ｍａｘｉｍｕｍ               ｔｈｒｅｓｈｏｌｄ               ｆｏｒ               ｐａｙｍｅｎｔｓ.

Ｉｆ               ｙｏｕ'ｒｅ               ａ               ｃａｕｔｉｏｕｓ               ｂｕｙｅｒ               ａｎｄ               ａｒｅ               ｍｏｒｅ               ｃｏｍｆｏｒｔａｂｌｅ               ｗｉｔｈ               ｌａｒｇｅｒ               ｓａｖｉｎｇｓ,               ｇｏ               ｗｉｔｈ               ｏｎｅ               ｆｏｒｔｈ               ｏｆ               ｙｏｕｒ               ｎｅｔ               ｉｎｃｏｍｅ               ａｓ               ａｎ               ｅｘｔｒａ               ｆａｉｌｓａｆｅ.
               10.

Ａｖｏｉｄ               ｇａｒｎｉｓｈｍｅｎｔｓ               ｆｒｏｍ               ｙｏｕｒ               ｐａｙｃｈｅｃｋ.

Ｅｖｅｎ               ｉｆ               ｙｏｕ               ｃａｎｎｏｔ               ａｆｆｏｒｄ               ｔｏ               ｐａｙ               ｗｈａｔ               ｙｏｕｒ               ｃｒｅｄｉｔｏｒ               ｗａｎｔｓ               ｙｏｕ               ｔｏ               ｐａｙ               ｔｏ               ｅｌｉｍｉｎａｔｅ               ｄｅｂｔ,               ｇｉｖｅ               ｔｈｅｍ               ｓｏｍｅｔｈｉｎｇ.

Ａ               ｓｍａｌｌ               ｅｆｆｏｒｔ               ｔｏ               ｓｈｏｗ               ｇｏｏｄ               ｆａｉｔｈ               ｃａｎ               ｐｅｒｓｕａｄｅ               ｙｏｕｒ               ｃｒｅｄｉｔｏｒｓ               ｔｏ               ｂｅ               ｐａｔｉｅｎｔ               ｗｉｔｈ               ｙｏｕ               ｕｎｔｉｌ               ｙｏｕ               ｃａｎ               ａｆｆｏｒｄ               ｔｏ               ｐａｙ               ｔｈｅ               ｍｏｎｔｈｌｙ               ａｍｏｕｎｔ               ｔｈｅｙ               ｗｏｕｌｄ               ｐｒｅｆｅｒ,               ａｎｄ               ｉｆ               ａｌｌ               ｅｌｓｅ               ｆａｉｌｓ,               ｔｈｉｓ               ｓｈｏｗｓ               ｇｏｏｄ               ｆａｉｔｈ               ｔｏ               ａ               ｊｕｄｇｅ               ｓｈｏｕｌｄ               ｙｏｕｒ               ｄｅｂｔ               ｅｖｅｒ               ｇｏ               ｔｏ               ｃｏｕｒｔ,               ｗｈｉｃｈ               ｇｒａｎｔｓ               ｙｏｕ               ａ               ｂｅｔｔｅｒ               ｃｈａｎｃｅ               ｏｆ               ｔｈｅ               ｃｏｕｒｔ               ｓｅｔｔｉｎｇ               ｐａｙｍｅｎｔｓ               ｔｈａｔ               ｙｏｕ               ｃａｎ               ａｆｆｏｒｄ               ａｎｄ               ｄｅｎｙｉｎｇ               ｔｈｅ               ｇａｒｎｉｓｈｍｅｎｔ               ｔｈｅ               ｃｒｅｄｉｔｏｒ               ｉｓ               ａｓｋｉｎｇ               ｆｏｒ.

Ｍｏｓｔ               ｐｅｏｐｌｅ               ｆｉｎｄ               ｔｈｅｍｓｅｌｖｅｓ               ｉｎ               ｔｈｉｓ               ｓｉｔｕａｔｉｏｎ               ａｆｔｅｒ               ｕｎｅｘｐｅｃｔｅｄ               ｍｅｄｉｃａｌ               ｂｉｌｌｓ               ｏｒ               ｓｕｄｄｅｎ               ｌｏｓｓ               ｏｆ               ｉｎｃｏｍｅ.
               11.

Ｄｏｎ'ｔ               ｂｕｙ               ｔｈｏｓｅ               ｌｉｔｔｌｅ               ａｄｖｅｒｔｉｓｅｍｅｎｔｓ               ｔｈａｔ               ｙｏｕ               ｇｅｔ               ｉｎ               ｔｈｅ               ｍａｉｌ               ｔｈａｔ               ｏｆｆｅｒ               ｆｒｅｅ               ｂｏｏｋｓ,               ｍａｇａｚｉｎｅｓ,               ｖｉｄｅｏｓ,               ｃｄｓ               ｅｔｃ.

ｉｎ               ｅｘｃｈａｎｇｅ               ｆｏｒ               ｐａｙｉｎｇ               ａ               ｍｏｎｔｈｌｙ               ｆｅｅ               ｗｉｔｈｏｕｔ               ｒｅａｄｉｎｇ               ｔｈｅ               ｆｉｎｅ               ｐｒｉｎｔ.

Ｕｓｕａｌｌｙ               ｔｈｅｓｅ               ｏｆｆｅｒｓ               ｇｉｖｅ               ｙｏｕ               ｏｎｅ               ｆｒｅｅ               ｉｔｅｍ               ｉｎ               ｅｘｃｈａｎｇｅ               ｆｏｒ               ａ               ｃｏｍｍｉｔｍｅｎｔ               ｆｒｏｍ               ｙｏｕ               ｔｏ               ｂｕｙ               ｔｗｏ               ｏｒ               ｍｏｒｅ               ｐｒｏｄｕｃｔｓ               ａ               ｍｏｎｔｈ               ｆｒｏｍ               ｔｈｅｍ               ｆｏｒ               ａ               ｙｅａｒ.

Ｃａｎ               ｙｏｕ               ａｃｃｏｕｎｔ               ｆｏｒ               ｆｏｒｔｙ               ｅｘｔｒａ               ｄｏｌｌａｒｓ               ａ               ｍｏｎｔｈ               ｅｖｅｒｙ               ｓｉｎｇｌｅ               ｍｏｎｔｈ               ｆｏｒ               ａ               ｙｅａｒ               ｔｈａｔ               ｙｏｕ               ｄｉｄｎ'ｔ               ｐｌａｎ               ｏｎ               ｓｐｅｎｄｉｎｇ?

Ｉｆ               ｎｏｔ,               ｃｈａｎｃｅｓ               ａｒｅ,               ｙｏｕ               ｗｏｎ'ｔ               ｂｏｔｈｅｒ               ｔｏ               ｃｏｎｔｉｎｕｅ               ｂｕｙｉｎｇ               ｔｈｅｉｒ               ｐｒｏｄｕｃｔｓ               ａｎｄ               ｗｉｌｌ               ｈａｖｅ               ｂｒｏｋｅｎ               ａ               ｃｏｎｔｒａｃｔｕａｌ               ａｇｒｅｅｍｅｎｔ               ｗｈｉｃｈ               ｗｉｌｌ               ｓｈｏｗ               ｕｐ               ｏｎ               ｙｏｕｒ               ｃｒｅｄｉｔ.
               12.

Ｄｏｎ'ｔ               ｃａｎｃｅｌ               ｓｕｂｓｃｒｉｐｔｉｏｎｓ               ｂｅｆｏｒｅ               ｔｈｅ               ｃｏｎｔｒａｃｔｕａｌ               ｔｉｍｅ               ｈａｓ               ｅｘｐｉｒｅｄ.

Ｓｍａｌｌ               ｓｕｂｓｃｒｉｐｔｉｏｎｓ               ｌｉｋｅ               ｔｏ               ｎｅｗｓｐａｐｅｒｓ               ａｎｄ               ｍａｇａｚｉｎｅｓ               ｍａｙ               ｎｏｔ               ａｄｄ               ｕｐ               ｔｏ               ａ               ｌｏｔ,               ｂｕｔ               ｌａｒｇｅ               ｃｏｍｍｉｔｍｅｎｔｓ               ｌｉｋｅ               ｃｅｌｌ               ｐｈｏｎｅ               ｓｅｒｖｉｃｅｓ               ｃａｎ               ｃａｒｒｙ               ａ               ｐｒｅｔｔｙ               ｈｅｆｔｙ               ｐｅｎａｌｔｙ               ｆｏｒ               ｃａｎｃｅｌｉｎｇ               ａ               ｃｏｎｔｒａｃｔ               ａｎｄ               ｗｉｌｌ               ｒｅｐｏｒｔ               ｉｔ               ｔｏ               ａ               ｃｒｅｄｉｔ               ａｇｅｎｃｙ.
               13.

Ｄｏｎ'ｔ               ｂｒｅａｋ               ａ               ｌｅａｓｅ               ｏｎ               ａ               ｒｅｎｔａｌ               ｐｒｏｐｅｒｔｙ               ｏｒ               ｖｅｈｉｃｌｅ               ｕｎｌｅｓｓ               ｙｏｕ               ａｂｓｏｌｕｔｅｌｙ               ｈａｖｅ               ｔｏ.

Ｔｒｙ               ｔｏ               ｆｉｎｄ               ａｎｙ               ｏｔｈｅｒ               ｌｅｇａｌ               ｍｅａｎｓ               ｐｏｓｓｉｂｌｅ               ｅｖｅｎ               ｉｆ               ｙｏｕ               ｈａｖｅ               ｔｏ               ｓｕｂｌｅｔ               ｔｈｅ               ｐｒｏｐｅｒｔｙ               ｏｒ               ｆｉｎｄ               ｓｏｍｅｏｎｅ               ｔｏ               ｔａｋｅ               ｏｖｅｒ               ｐａｙｍｅｎｔｓ               ｏｎ               ｔｈｅ               ｖｅｈｉｃｌｅ.

Ｂｒｅａｋｉｎｇ               ａ               ｌｅａｓｅ,               ｅｖｅｎ               ａｆｔｅｒ               ｐａｙｉｎｇ               ｆｏｒ               ｔｈｅ               ｃｏｎｔｒａｃｔ               ｄｉｓｒｕｐｔｉｏｎ               ｓｈｏｗｓ               ｕｐ               ａｓ               ａ               ｂｉｇ               ｎｅｇａｔｉｖｅ               ｍａｒｋ               ｏｎ               ｙｏｕｒ               ｃｒｅｄｉｔ               ａｎｄ               ｏｆｔｅｎ               ｌｅｎｄｉｎｇ               ａｇｅｎｃｉｅｓ               ｗｏｎ'ｔ               ｅｖｅｎ               ｃｏｎｓｉｄｅｒ               ａｎ               ｅｘｐｌａｎａｔｉｏｎ               ｏｆ               ｗｈｙ               ｙｏｕ               ｄｉｄ               ｓｏ.
               14.

Ｍａｋｅ               ａｒｒａｎｇｅｍｅｎｔｓ               ｗｉｔｈ               ｃｒｅｄｉｔｏｒｓ               ａｓ               ｓｏｏｎ               ａｓ               ｔｈｅ               ｙｏｕ               ｇｅｔ               ｔｈｅ               ｂｉｌｌ.

Ｍａｎｙ               ｍｅｄｉｃａｌ               ｃｒｅｄｉｔｏｒｓ               ａｒｅ               ｑｕｉｔｅ               ｕｎｄｅｒｓｔａｎｄｉｎｇ               ａｂｏｕｔ               ｈｏｗ               ｍｕｃｈ               ｙｏｕ               ｃａｎ               ｐａｙ               ａｎｄ               ｗｏｕｌｄ               ｒａｔｈｅｒ               ｃｏｍｅ               ｔｏ               ａｎ               ａｇｒｅｅｍｅｎｔ               ｗｉｔｈ               ｙｏｕ               ａｂｏｕｔ               ｐａｙｍｅｎｔｓ               ｔｈａｎ               ｔａｋｅ               ｙｏｕ               ｔｏ               ｃｏｕｒｔ               ｆｏｒ               ｔｈｅｉｒ               ｍｏｎｅｙ.

Ｍａｋｅ               ａｒｒａｎｇｅｍｅｎｔｓ               ａｓ               ｓｏｏｎ               ａｓ               ｙｏｕ               ｒｅｃｅｉｖｅ               ｔｈｅ               ｂｉｌｌ               ｆｏｒ               ｅｍｅｒｇｅｎｃｙ               ｏｒ               ｏｔｈｅｒ               ｓｅｒｖｉｃｅｓ               ｗｈｉｃｈ               ｗｅｒｅ               ｂｉｌｌｅｄ               ａｎｄ               ｓｔｉｃｋ               ｔｏ               ｔｈｅｍ.
               15.

Ａｌｗａｙｓ               ｎｏｔｉｆｙ               ｃｒｅｄｉｔｏｒｓ               ａｎｙｔｉｍｅ               ａ               ｐａｙｍｅｎｔ               ｗｉｌｌ               ｂｅ               ｌａｔｅ               ｏｒ               ｙｏｕ               ｎｅｅｄ               ｔｏ               ｃｈａｎｇｅ               ｔｈｅ               ａｍｏｕｎｔ               ｙｏｕ               ａｒｅ               ｐａｙｉｎｇ               ｔｈｅｍ.

Ｃｒｅｄｉｔｏｒｓ               ｏｆ               ｐａｓｔ               ｄｕｅ               ｓｅｒｖｉｃｅｓ               ａｒｅ               ｍｏｒｅ               ａｐｔ               ｔｏ               ｂｅ               ｌｅｎｉｅｎｔ               ｗｉｔｈ               ｃｌｉｅｎｔｓ               ｔｈａｔ               ｋｅｅｐ               ｔｈｅｍ               ａｂｒｅａｓｔ               ｏｆ               ｔｈｅｉｒ               ｆｉｎａｎｃｉａｌ               ｓｉｔｕａｔｉｏｎｓ               ａｓ               ｏｐｐｏｓｅｄ               ｔｏ               ｈａｖｉｎｇ               ｔｏ               ｗａｓｔｅ               ｍａｎ               ｈｏｕｒｓ               ａｎｄ               ｏｔｈｅｒ               ｒｅｓｏｕｒｃｅｓ               ｏｎ               ｔｒｙｉｎｇ               ｔｏ               ｃｏｎｔａｃｔ               ｙｏｕ               ａｎｄ               ｃｏｍｐｅｌ               ｙｏｕ               ｔｏ               ｍａｋｅ               ｐａｙｍｅｎｔｓ.

Ｔｈｉｓ               ａｌｓｏ               ｇｏｅｓ               ａ               ｌｏｎｇ               ｗａｙ               ｔｏｗａｒｄｓ               ｋｅｅｐｉｎｇ               ｃｒｅｄｉｔｏｒｓ               ｆｒｏｍ               ｒｅｃｏｒｄｉｎｇ               ａ               ｎｅｇａｔｉｖｅ               ｍａｒｋ               ｏｎ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｈｉｓｔｏｒｙ.

Ａｓ               ｗｉｔｈ               ａｎｙ               ｏｔｈｅｒ               ｒｅｌａｔｉｏｎｓｈｉｐ,               ｃｏｍｍｕｎｉｃａｔｉｏｎ               ｉｓ               ｔｈｅ               ｋｅｙ.
               Ｆｏｌｌｏｗｉｎｇ               ｔｈｅｓｅ               ｆｅｗ               ｓｉｍｐｌｅ               ｇｕｉｄｅｌｉｎｅｓ               ｃａｎ               ａｖｏｉｄ               ａ               ｗｏｒｌｄ               ｏｆ               ｔｒｏｕｂｌｅ               ｉｎ               ｔｈｅ               ｆｕｔｕｒｅａｎｄ               ｓｈｏｕｌｄ               ｋｅｅｐ               ｙｏｕ               ｏｎ               ｔｈｅ               ｒｉｇｈｔ               ｔｒａｃｋ               ｆｏｒ               ａ               ｇｏｏｄ               ｃｒｅｄｉｔ               ｓｃｏｒｅ.






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