The majority of clients I come into contact with are extremely proud. They work hard, pay taxes, raise families, and pay their bills. Often they have high credit scores and have never missed a payment on anything.  They know they are walking a thin line and the bottom is soon going to fall out because they have lost their job, health, spouse, suffered a natural disaster, became sick or had a major accident. They have tried to do what they thought was right and exhausted their IRAs, and retirement funds, liquidated their assets, and fear the worst-they will miss that first faithful payment to a creditor. The creditors will begin to call them, default notices will arrive in their mailbox, a process server will deliver a summons to their front door and they will most likely be asked to appear in court. Information is power, call me, get informed, and know what the consequences and alternatives are.