and even if they go into collections which some of them do sometimes you can negotiate with the collection company get everything in writing if you can do that but again this is something that it's so burom some on people because it carries such a sad story usually with it but here's the thing if it's a mountain you can take it a little bit at a time and you know just as I see people with student loan debt in the six figures but they pay it off it takes a while that can happen with any type of debt you guys so again having a plan puts you in control which again I think is is so key and it's just one step at a time
