Over the years I've noticed that December has always been slow in debt collection. The first year I worked as a debt collector, I was mildly suprised that debtors refused to make payment on their past debt and told me they'd be Christmas shopping instead.
Of course, when I first got the job I also thought that deep inside everyone that was in collections had just fallen on bad times and actually wanted to pay back their creditors.
This year, the top excuses for non-payment aren't related to Christmas. Most people who won't pay bring up the economy.
I got laid off.
I'm a waitress and no one is tipping.
Even ... I'm a truck driver and work is so good that I haven't been home for a month and a half.
Then last week someone said, "Are you an idiot? Or what? Haven't you noticed that we're in the middle of a recession? I can't afford to pay my bills."
What I really, really, really wanted to say was ...