Loan Modification work and Credit Card Cure is simple but not easy. You will face powerful emotions like fear, embarrassment, humiliation, disappointment, anger and discouragement.

You will face these, because they will be “thrown in your face” by banks to leverage your personal dignity for their own gain. That is, having stolen your financial future they now attempt to take your dignity as well by humiliating and disgracing you with credit score haranguing and verbal harassment from their agents.

These little minions will question your very “personhood” and your worth. Interestingly, you would not think of accusing them of immoral, unethical or undignified behavior if they failed to suspend payments during a time of your unemployment or during your chemotherapy. It’s a business transaction for both of you. But a one-sided moral obligation for you – an unfair “asymmetry of values”.

Don’t take it. The ultimate defense is to change the paradigm, to truly “not care”. Anyway, if your self-worth is dependent upon what some global financial juggernaut “thinks” of you then you’re in trouble.