You can't get blood from a turnip Mr. Bill Collector ;-)

One of the greatest stresses for an individual is financial stress. Bill collectors call and you shut down and cannot even answer the phone. Remember, most everybody struggles with financial strain from time to time and a bill collector’s phone call is no more likely to make money appear for a bill than when they do not call you. Try this…when they say, “Can you tell me why you haven’t paid your bill?” Instead of the long drawn out explanation in an attempt to get the cold bill collector to empathize with your struggle, consider saying, “Because I had no money. If I had the money I would love to pay this and as soon as I have the money I will.” There’s no need to send your blood pressure through the roof because your stress won’t improve the situation, but it does make it worse. Try to consider how your emotions affect each situation…negatively or positively. If your emotions make it worse, work to control them. Don’t stress over things you have no control over. Smile and stay calm.