This Article is About
money problems
positive thinking
new job
health problems
little bit
I Have A Lot Of Debts Which I Cannot Pay; How Can I Get Rid Of The Feeling Of Fear?
Join 1000's of Authors at StreetArticles Today!

At the time you really have problems – and it happens in life from time to time, it is normal! – you search for a solution. Every book you read or any specialist you ask for help will tell you first of all to think positive to attract good things in your life.

Then, thinking about your situation, you find thoughts which bring you a hope. There is no one around us who has never had problems in his/her life. Any person has periods in life when things are not going well – sometimes there are problems in relationships, other time we might have health problems or financial problems.

Any problem we might have we think for a moment that is the biggest problem someone might ever have. Later, we start to look around and see other people having the same problem or bigger. Then, we find out a way to solve it and then everything returns to normal.

In our time, when almost everything can be obtain in exchange of money, having money problems is becoming the biggest struggle someone may encounter. When you have money, it is easier to find a solution for any other problem – a treatment to recover the health, a holiday or a shopping session to forget about an unhappy ending of a relationship, possibility to make some courses or a school to change job…

What to do when you are not only short of money, but also you are in big debts?

You think positive as everybody told you, but suddenly the phone rings, you answer and a rough voice is reminding you of having an overdue invoice or installment or maybe is a friend asking to give him the money back… You feel guilty, ashamed and fear overwhelms you; you feel helpless. They ask you to pay in two, three days, maximum one week while you are still waiting to be invited to interviews and you know you cannot find a new job so soon.

All the foundation of your positive thinking collapses. You are already in panic and cannot see any way out of this situation.

But let’s think a little bit.

By the time you borrowed money you had a good paying job and a good financial history. Otherwise they wouldn’t approve you the loan. You borrow money in exchange of a price, the interest you accepted to pay them for the loan. They lent money to make a business, to make a profit from the interest they charge for money. Any business implies a risk. The more the profit expected, the higher the risk.

The things didn’t unfold as expected and you are, for the moment, in impossibility to give them the money back. In business nothing is sure. When making any deal, both parts take risks and by taking risks, assume a potential loss.

You don’t have why to feel guilty. You don’t have why to be afraid. It is just a regretable and unpleasant situation for everybody and you should take it as it is. As yesterday the situation was different, tomorrow it will be different again. Nothing is forever in our life. We are in permanent change.

They are aggressive when talking to you by phone, but keep in mind that usually, people who are aggressive hide a weakness. The more scared you are, the more aggressive they will be. When they gave you the money they took the risk in exchange of a certain expected profit. They don’t have any reason to be so tough now and to make you feel guilty. They are aggressive because they feel guilty themselves; they are frustrated for not marking their profit and try to transfer over you their bad feelings.

Your friend who lent you the money wanted to help you but he also took a risk. He doesn’t have why to be so upset. If he is aggressive with you now, he also transfers on you his feelings of lack of money, of financial insecurity.

So, while talking to them stay calm, think rationally and be firm. State that it is a situation which you didn’t want to be in and that we make all the best to solve it at soonest. Be confident and determined.

They will feel your inner trust and their aggressiveness will weakens. If they don’t want to talk civilized, shorten or cut the phone call.

In this way, you will feel your self-esteem increasing and you will start to think to the future from a different point of view.

Fear and panic don’t serve to anything. Your interest is to stay calm and find the right solutions.

You can think positive again and be confident that everything will be all right.

Street Talk

No comments present
You May Also Like
Reasons Why Debts Accumulate
Unstable economic environment, rising cost of living, rising fuel costs. These are just some of the many reasons why Americans make it difficult to stretch their incomes and why accumulated debts get out of control. However, certain situations takes things from bad to worse, making it hard to repay all…
By: Vivienne Knoxville in  Legal  >  National State Local   Mar 19, 2012  
  Likes: 0

What To Do When Negotiating Settlement For Debts
Working out a settlement deal with a creditor or a debt collection might sound intimidating but it’s actually easy when you know what to expect. Apart from getting a reasonable amount to repay the debt, you can also minimize the damage the debt will cause to your credit report. The…
By: Vivienne Knoxville in  Finance  >  Credit   Aug 14, 2012  
  Likes: 0

Debts Advice is Helpful In The UK
Are you looking for ways to save money on your monthly bills? Cutting back on your expenses is one way to help you save more money for the things you and your family wants. Today, thousands of UK citizens who have taken out major loans in the past six years…
By: connectedclaims in  Insurance  >  Commercial   Mar 19, 2013  
  Likes: 1

Having Enough Debts to Worry About
Ways To Generate New Debts. Many people live their life starting to generate debt at a very young age, the cause of having this problem are due to their negligence of handling money without any form of financial education. The financial banks have provides many variety of marketing of credit…
By: Wee in  Finance  >  Debt Management   Aug 22, 2011  
  Likes: 0

Is it Possible to Be Happy Without Having Money?
There are three categories of people today: 1. Those who awakened, uncovered their inner power and can achieve anything in their lives 2. Those who don’t believe their power even exists and are struggling waiting for someone to do something for them 3. People who start to discover their inner…
By:  in  Self Improvement  >  Abundance Prosperity   May 19, 2011  
  Likes: 0

Learn to Love Yourself
Going through depression is very hard, your motivation diminishes and you feel like you are alone. There are many people who suffer from depression and do not get diagnosed because alot of people wont admit that they are depressed. It sort of creeps up on you. It can start by…
By: kathleen gallagher in  Self Improvement  >  Self Esteem   May 17, 2011  
  Likes: 0

Cheap Barbour
Cheap is a funny word, when people say it it conjures up images of things that are not made very well or maybe something that is tacky but that is not always the case. I have bought many cheap things over the years and they have been of the highest…
By: Benjamin Allen in  Shopping and Product Reviews  >  Fashion Style   Dec 18, 2012  
  Likes: 0

Debt Free Living
To most of us a debt free life is just a dream that only the rich have, or maybe the wisest of people. I absolutely believe that we can live a debt free life if we follow a few basic guidelines and discipline ourselves to do the work. The Bible…
By: Connie Milam in  Self Improvement  >  Spirituality   Jun 30, 2011  
  Likes: 0

Save My Marriage: Find the Marriage Advice You Need Here
Over half of marriages could be saved if marriage advice were sought prior to breakup. Please read the advice below, it has helped my marriage and I hope it can help your relationship as well. I will try to keep it simple. If you are asking the question, “How can…
By: J.M. Shoar in  Relationships  >  Marriage   Jan 10, 2012  
  Likes: 1

Why Some People Think Making Money Online is Not for Them?
It is common to get a wide eyed look when told that making money online is easy. People also often sends up the "scams" alert signals aswell. But some of the best reason people think making money online is not for them is because, they don't have any idea on…
By: Mike Gervis in  Home Based Business   Jun 09, 2011  
  Likes: 0

Positive Thinking And Personal Development
When looking at our own personal development and reaching our true potential in life there is one factor that we have the most control over but most of the time goes overlooked. It can and usually is the ultimate game changer! That game changer is our thinking. There are so…
By: Andre Kriz in  Self Improvement  >  Positive Attitude   Apr 18, 2012  
  Likes: 0

How to Deal With New Job Stress
Imagine the scenario. You’re delighted to have been appointed to a new job, once you start personal doubts start setting in and then within a few weeks, you find that it’s not working out quite as you hoped. Then you suddenly find that it’s not just the different parts of…
By: BIS_Coach in  Self Improvement  >  Stress Management   Jun 26, 2011  
  Likes: 14

How to Think Positive - Tips to Get Rid Of Negative Thoughts
Think positive! Just do it! Sounds easy and it is. Negative thinking can seem like it is easier to do than positive thinking. Many people tend to believe that positive thinking requires more effort and feel that negative thinking is easier because it’s something that seems to come “naturally”. Well…
By: Natalia Storm in  Self Improvement  >  Positive Attitude   May 13, 2016  
  Likes: 0

A Daily Ritual You Must Adopt!
Hello readers! I'm from Better Version of Me Daily which is a growing online community for self-development! The site has these great “Daily Ritual” posts that can really help change your life for the better! Here is a Daily Ritual you should adopt into your life: Upon arising in the…
By: Michael LaPoint in  Self Improvement  >  Positive Attitude   Apr 09, 2016  
  Likes: 1

The Positives In An Away From
Think positive and always look on the bright side. Focus on what you want. Whatever you think about the universe will send your way. Your thoughts become things. Rubbish. I have consistently focused on a new car (whilst still cherishing the old one for continuing to start each day) for…
By: Gemma Bailey in  Self Improvement  >  Positive Attitude   Mar 14, 2016  
  Likes: 0

Article Views: 1563    Report this Article