If you are feeling anxious in dealing with your creditors, what you may be lacking is education. The more you know about the process the more peace of mind you will have. Creditors work on you by trying to put fear in your brain. The more scared you are of them, the better chance you they have of collecting money from you. If you are committed to getting out of debt, you need to educate yourself and take control back in you debt negotiation process.
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