"At one time or another in our lives, we may have secured a loan or a debt. The elements that trigger us to repay it vary from securing our integrity, preventing a bad credit report, but most likely most notably, it is the fear of harassme…

"We have all skilled debt simultaneously or any other within our lives and likewise have the best intentions with regard to settling these debts. Generally however, and we don't foresee the longer term in addition to the emergency situatio…