"I'm sorry, I can't make a payment today, I don't have anything extra right now." It's the simple truth, and I tell them that I will make a payment to them when I can.
So then they go into their spiel. There's the usual, "this will ruin your credit score," which is laughable because my credit score has not been good for a long time, and probably won't be for a while because I make like $400 a month, with nothing promising on the horizon.
The new thing is to ask if there's someone I can borrow the money from. Yes! Because I'm only acquainted with millionaires and people who have not been affected by the economic downturn! Hooray! All of my problems are solved!
But this one girl felt it was necessary to give me some advice. "You should collect pop cans and recycle them for redemption value."
Ooh, good idea. Because if there's one thing that I've noticed, it's all the homeless guys in Brooks Brothers suits going through the trash cans. Bitch, please. I've been recycling for years. You buy the sodas with your food stamps, return the bottles and cans for redemption, then use the cash to buy toilet paper and soap. It takes quite a while to save up for that TP or soap, but when you need those things and have no cash, you do what you have to do. It's called survival skills, and I'm sure as shit not giving you the measly money I get from that instead of buying TP.
Then she comes up with her piece de resistance: "You should just get a better-paying job with more hours."
Wow! Okay! I'll get right on that just as soon as the economy improves to the point where employers start offering full-time work instead of these little part-time jokes they have available. You've saved me, ma'am! I don't know why I didn't think of that first! You're so smart!
Gimme a damn break,