The JoMar Credit Repair Guide Book

2 Timothy 1:7...
For God hath not given us the spirit of fear; but of power, and of love, and of a sound mind.

I've been teaching credit repair classes a long time so I've met a lot of people over the years.  I had a women call me one day and said "I took your class a couple of years ago and remembered you used to be a debt collector. Well, I have this friend and he's thinking about going to a loan shark to pay off his payday loans and I thought he should call you before he got into trouble!"  I told her yes, please have him call me immediately!!

When he finally called me I told him payday loans are like loan sharks except you don't have to worry about them breaking your legs!! Pay the loan off when you can, they are not taking you to the district attorney office for writing a hot check, it's a loan it is treated just like a loan from the bank.  They will keep trying to collect on it.  Pay it when you have the money, but please don't go to a loan shark!!

Fear had overtaken him so much so that he was willing to get the money by any means necessary to pay off a debt.  You cannot let fear overtake you so much that you do desperate things, when you do this you put yourself into more trouble.  Thankfully, he had a friend that knew me, but what about those people who don't ask questions?  If you keep asking questions you will get an answer, so don't let fear overtake you breathe and remember the scripture God has not given you a spirit of fear, but POWER,LOVE AND A SOUND MIND!!  Be at peace and know there is help out there it's just a matter of you asking a question to receive an answer don't get desperate.  Be Blessed!!