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Imagine standing behind the ball while looking down the golf hole at your target. Many great golfers treat the area around the ball like a bubble that only they have access to. Inside the bubble, there are no distractions or mechanical swing thoughts.
Be assertive yet polite. Give your creditor or debt collector the impression that you are familiar with the Fair Credit Reporting Act so they do not try to intimidate you using scare tactics. When negotiating with a creditor, it is important to say your piece politely, while also keeping your dignity intact..
