When there’s not enough money to pay all of the bills, we can end up making emotional decisions that make our situation even worse. I’ve been on both sides of the collections equation – I used to work as a collector for Citibank and I’ve had times in my life when collectors were calling me. I understand how stressful and confusing it can be when you don’t know how to pull out of the downward spiral. I’ll discuss how to prioritize your obligations, taking care of your “4 Walls,” and how the Pro Rata plan works. Even if YOU aren’t in a collections situation, it’s likely you know someone who is and can use this important information. Listen to the Podcast Here.