You probably never really believed in the zombie apocalypse, but it was fun to watch TV shows depicting what it would be like if the dead walked the earth. Needless to say, it is much less entertaining when old debts come back into your life. When you receive a letter or phone call from a creditor or collector reminding you of a debt from your past, you may wonder how best to react.
Like many in California, you may get paid twice a month or on two-week cycles. When your check arrives, your first concern may be to pay your rent or mortgage and tackle as many of your bills and loans as you can, leaving a few dollars to carry you through. As time draws closer to payday, your funds may become very low. You cannot even pay your bills, so forget about eating out or seeing a movie with your family.