When I was 18 a car salesman talked me into getting a car that I could not afford. He told me that my old little car looked trashy and I needed a new nicer car. So I got it. Bad decision, but I was 18 years old fresh out of high school and didn’t have an adult with experience with me to talk me out of it...I just went with a friend who was the same age as me because they were wanting a new car but couldn’t get approved. To this day I have STRUGGLED to pay the note. With all of my other living expenses it’s just so hard. And I don’t live lavishly I just have the bare necessities. I have been behind ALOT but I always go pay it. There is a lady that would call me every time I was late and she was incredibly rude. So rude, no one has ever talked like that to me in my entire life. She would say, “Are you just forgetting to pay or what?” No I promise I am trying to get the money I will bring it as soon as I get paid Friday. “Oh don’t give me that crap I’m ordering the repo in 2 days.” My beloved dog died that day, right before she called me and talked to me so rudely like I am stupid. I haven’t been late in a long time, but it’s still hard to come up with the money. I have went without groceries so many times and many other necessities. I will go in the bank to make my payment ON TIME and the tellers are so rude as well. They give me nasty looks and for some reason it takes them forever to give me my receipt. They ask to clarify my job my phone number address etc. One time I made a payment and the teller picked up the phone to call the rude lady and said my account number and said she’s here then laughed real loud and long. I’m sorry, is my situation funny to you? It’s not to me. I haven’t been late in a long time and today I went to make my payment and it took 15 minutes. The lady wanted to talk to me and remind me that my payment is due next month...what the heck??? Ok I know that, I’m making this payment this month take my money. She told me that she would not accept my money until I gave her another reliable phone number so I gave her my grandmas house number because she already has my cell. I’m not complaining, I got myself in to this and it’s my fault. But I am a person..they may think that I’m stupid but I am a human with feelings just like them and I go through things just like they do. I guess what I’m trying to say is even if your job is to intimidate people, always try to be kind. You never know what that person went through that day. You may be the last conversation they ever have. Don’t make it a bad one.

P.S. my car is one year from being paid off thankfully!