We’ve all been there.
We’ve made an appointment to do something we dreaded like making a doctor appointment or a trip to the dentist, then when the day of the appointment actually arrived, we think about cancelling.
Sometimes, you might not even show up, even if it means you have to pay a cancellation or no-show fee.
Meeting with a Licensed Insolvency Trustee or credit counselor holds the same weight for many people.
It’s one thing to make the appointment; it’s quite another to actually drive to the appointment and step into the office.
Why is that though?
Fear and stress are powerful; together they can create stories in your mind of things that could happen that are so far from the truth.
When anxiety gets the best of you, it can restrict all the positive options you may have to improve your life.
So, what kind of fears are you facing?
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Recently, one of our Trustees finally met with Maria.*
The word “finally” is used purposely here, because she had previously reached out to set an appointment with us 3 times over the last 6 weeks.
Each time her appointment was scheduled, she would all to “reschedule” the appointment the afternoon before her scheduled meeting.
Finally, on the 4th visit, she stepped into the office.
Truth be told, nobody really expected her to come to the consultation.
This is not the first time that our Trustees have gone through this.
When our Trustee greeted her, Maria looked on the verge of tears, so he grabbed her a cup of coffee.
Before our Trustee had even gotten back to his office with the coffee, Maria had spread out all her receipts and hand-scribbled notes from debt collectors on the desk.
Instead of diving right in though, the Trustee started talking about the fear of coming in.
Addressing her anxiety head-on seemed to alleviate some of the fear she had.
Within minutes, they’d talked about why she was so fearful of coming in.
“I just don’t want to live on the streets,” she had said at one point.
Over the course of an hour, Maria’s body language changed from defeated to relieved.
Instead of fretting her next step, or how much she owed, she had a plan of action.
She had been convinced that the only way she would be able to resolve her debts was via a bankruptcy, but instead, she was able to negotiate with some of her creditors and resolve her debt in a less formal way.
In addition, she has a very tight budget while she pays down her debt.
She had been so afraid and overwhelmed of her finances that she had simply ignored them altogether.
Does this sound like your story?
Are you more afraid of the unknown of meeting with a Trustee than your actual debt?
The hardest part is coming to your initial consultation.
Once you step through that office door though, you have someone to guide you through your debt and provide solutions that best fit your life.
Go ahead, make that appointment with us at Bankruptcy Canada.
We look forward to seeing you.
*name has been changed for confidentiality.
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