Theft by Deception

Did you know that collection agencies will call you five days before Christmas? They do! Isn’t that awful?  The only pleasure I get from talking to bill collectors is that I’m pretty sure they all think I’m terminally ill or suicidal— there is really no other reason for how fast and loose I am being with my credit.  It just doesn’t scare me. They always warn me that it will seriously affect my future, which almost always makes me giggle. It also normally leads to some spiel about home ownership.. “Don’t you ever want to buy a property?” they always ask. This is when the giggling turns into full on loling and knee slapping. And while those notoriously tough bill collectors start to sound sad for me, as if I could pass at any moment, I sit there on the other end of the phone shopping for alligator skin shoe laces online. It’s my own little version of a Christmas miracle.