my conversations with my creditors.
creditor- "you need to make a payment of this much, on this date"
me- "i can't i don't have any money"
creditor- "yes well you still have to pay us this much, on this date"
me- "you don't understand i still don't have any money"
creditor- "no you don't understand, you have to pay us this much, on this date
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