The fear never ends.
I know you lost your job,
you were a good payer before,
can no longer pay your cards anymore,
received demand letters, calls, text messages
home visits, office visits and barangay visits.
I know..I know...
you are not running away from your obligations.
You want to show good faith.
BUT
there is this fear, and
you are A-F-R-A-I-D !!
of what?
skip those familiar stories.
and tell me straight forward:
"what are you afraid of?"