Living On A Reduced Income
Talking With Creditors
When your income drops and
you realize you can’t pay all your
bills, it’s important to face your
debts and know how to talk to
your creditors.
Your past experiences with cre
ditors arc important. If you have
consistently paid bills when due,
your creditors will be more co
operative than if you were late or
didn’t make regular payments.
Creditors are in the business of
lending money and/or providing
services. They want to keep your
business, but they also want to get
paid.
Contact your creditors; don't
wait for them to contact you.
Explain your current situation.
Frankly discuss your future
income prospects so you and your
creditors can figure out solutions
to the problem. Most creditors
would prefer to receive smaller
payments on a regular basis than
to b6gin expensive collection
procedures.
Where To Begin
Before you and your creditors
tr' eLP y Ou RS
Manufacturer of Farm Sprayers
Pressure Washers & Hydraulic Hoses
Metal Fabricating
Brake & Sheer Work
General Welding & Repair
858 Pumping Station Road Answering Service
Kirkwood, PA 17536 717-529-6553
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agree on a reduced payment or
some other solution, determine
how much money you have to pay
off your debts.
Figure out how much income
you can count on each month and
how much you need to pay for
your essential monthly living ex
penses. You’ll need to know who
and how much you owe, as well as
how you plan to pay them.
Contacting Your Creditors
Once you have gathered the
information you need, contact
each creditor, explain your situa
tion and work out a solution.
Be prepared to explain the fol
lowing:
• The reason you fell behind in
your payments.
• Your current income and pros
pects for future income.
• Other obligations.
• Your plan to bring this debt up
to date and keep it current, includ
ing the amount you will be able to
pay each month.
Visit local creditors in person.
Visit the loan officer at your bank
or credit union, the credit manager
of local stores, the budget coun
selor at the utility company. Don’t
ENGINES
Specializing In
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415 PETERS RO. GORDONVILLE, PA 17529
Misc, New-Used And lhrade-In
forget creditor! life* your demist;
physician, clinic, and hospital.
Contact out-of-town creditors
by phone or letter. If you phone,
write down the name and title of
the person to whom you talked.
Follow up the conversation with a
letter summarizing what you and
the creditor agreed. Keep copies
of your correspondence as well as
any reply.
If you would like a sample let
ter, please contact me at (717)
921-8803 or write me at 1451
Peters Mountain Road, Dauphin.
PA 17018, and I’ll be glad to send
you a copy. It can also be used as
an outline of what you say when
talking to a creditor.
As you negotiate with each of
your creditors, don’t agree to any
plan simply to get off the hook. Be
sure you will be- able to follow
19 acres timber for fire
wood sawlogs harvested
BO cord. Lester Moyer, 12
Host Church Rd, Womels
dorf PA 19567. Berks Co.
610-587-2406.
Pony, buckwood cart, sad
dle, harness, child safe,
rides, drives, kids outgrew
$750. Lane. Co. 717-786-
7763.
AC Dl7 bad engine, erst
OK, PS, belt pulley, etc, not
series IV, 80, delivery pos
sible. Cambria Co. 814-
472-8066.
John Deere combine 25
new canvas, good cond,
field ready $4OO 080. Clin
ton Co. 717-753-5741.
Lightning roll and hay hook.
Redwood picnic table and
lawn settee w/cushions.
Kitchen appliances and
more. Lane. Co. 717-445-
8246.
4yr old saddlebred, needs
work, sound, man’s horse.
Amos Stoltzfus, 654 Mt
Vernon Rd, Gap PA 17527.
Lane. Co. 717-442-0208.
Plug plants $2B thousand
now taking orders cauli
flower, broccoli, cabbage,
Caleb Stauffer, 190
Parkview Heights Rd,
Ephrata PA 17522. Lane.
Co,
JD 4 roll com planter $350.
IH crop all sft chopper
$4OO. JD Model 45 com
bine, parts, fix up $450.
Clearfield Co. 814-345-
5981.
rnimms 1
U.L.P.A. & N.F.i
FREE ESTIMA
(er, Owner p.o. B
'4-7090 Freeburg,
DIESEL PERFORMANCE SPECIALISTS
(717) 354-4801
DIESEL POWER SUPPLY
Diesel Engines
C SPECIALIZING IN
BflcC SERIES
Acorn ram manure pump it
works. Hedlum Martin
manure spreader v bottom
model 1678 for parts. Som
erset Co. 814-754-4771.
Ford 309 complanter $2OO.
Dearborn 61 12 ft disc $2OO.
Dauphin Co. 717-834-
9376.
Registered Texas Long
horn bulls and cow/calt
pair, please leave message
on machine. Delaware Co
610-255-3430.
Flooring, moldings, wide
plank 7-8-10” wide, TG KD
ash, maple, pine, tulip,
large quantity, Foley mold
er stroke sander. Del. Co.
610-565-6038.
JD 730 80. Angus bulls
$6OO ea. IH 51 forage wag
on $lBOO. NH forage wag
on $lBOO. Balt. Co. 410-
817-4674.
Registered dairy goats in
milk, one alpine and one
saanen, two yrs old, good
producers $l9O ea.
Franklin Co. 717-369-
5592.
Wells Cargo snowmobile
trailer, BxlB' enclosed
w/ramp, Jacks and sky
lights, good cond, $2200.
Lane. Co. 717-733-7124.
1987 bright turkey loader
with power unit, good cond
$BOOO 080. Snyder Co.
837-5465.
40 4 drawer file cabinets,
$35 ea. 75 office chairs.
Lane. Co. 717-656-4792.
f '95 White Star IV
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• market^ rBCtlVe 34 Valley View'Road'; Mohnton, PA 19540
» Amiable in air pump 610-856.1386
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through on the agreement Estab
lish a payment rate that is accept
able to both you and the creditor.
Here is a list of some alternatives
to consider when negotiating with
your creditors:
■ Reducing the monthly
payment
• Refinancing the loan
• Deferring a payment for a
short time if you expect to get
called back to work soon
• Reducing or dropping late
charges
'• Paying interest only on the
loan until you can resume making
monthly payments
• Voluntarily surrendering or
giving back an item purchased on
credit
• Selling the item and using the
cash to satisfy, or partially satisfy,
the debt.
UncMUr Fanning, tahmlay. Myf, mm
Not all creditors will be stiffing
to accept alternatives. However,
they’ll be more likely to work with
you if you contact them before
they contact you. They all want
their money and would rather get
some money on a regular basis
than have to begin collection pro
cedures.
If you fail to follow the plan
that you and your creditor agreed
upon, you will hurt your chances
of getting future credit. Tell your
creditors about any changes that
may affect your payment agree
ment
If you owe a large amount of
money, and if your creditors won’t
accept reduced payments, you
may have to consider more ex
treme alternatives such as bank
ruptcy.
1991 F 350 4x4 dump 10’
box, Boss V plow, TGS
2000 salt spreader, 1996
1640 Case skidloader, 200
hrs, cab encloser, exc
cond. Berks Co. 610-488-
6215.
12ft steel dump body 31”
sides, 15 ton hoist w/pump
slooo.Bft utility body, good
cond $750. Chester Co.
610-692-4191.
Natural colored wool
karakul ram lambs, black,
brown, varigated, can be
registered, also good for
meat. Berks Co. 717-933-
4731.
shp Ingersol Rang air com
pressor $5OO. Good cond.
120 gal propane tanks
$l5O. Call 9-9:15 a.m. Leb.
Co. 717-949-2824.
Storage for rent, 2200 sq ft
bam, 9ft high ceiling, easy
access $350 per month.
Lane. Co. 717-687-5143.
Case 444 garden tractor
w/mower and blade,
rebuild project, new sleeve,
paint, Dekalb 44” tires,
hydro $2650. York Co. 717-
252-1591.
Vr id cab f<
faSS»' rOU e d cab . ,or AC 22 .° 71t scraper Wade Cat I,3pt,
tractor. For sale or would as new $l5O firm. Balt. Co.
trade for fenders, 80. 740 410-560-0879
Spring Valley Rd, Quar- m... lnHin
rwllle PA 17566. Lane. Co. ?. lue . India
_ . , __ _ -lood and 3/4 blood boer
S^ta rm .i van ’ 8 ? Ford : billy goats, one male llama,
mechanically sound, good Northumberland Co. 717-
tires, needs body work 275-1738
$495. Reg Shropshire ram,
ewes, lambs. Lebanon Co.
717-949-3653
Jersey cow bred to angus
bull $750. Trailer plow two
. , bottom 12" moldboards,
Straw $1.50 per bale at trip Int $5O. Balt. Co. 410-
barn. Lane. Co. 717-872- 343-0069.
Three At service age hol
stein bulls, two Vanquish
sons, one Bellwood son,
out of Al dams, $7OO ea.
Franklin Co. 717-530-
1004.
Black ram lambs, bom ear
ly May, fine wool, Targhee x
Suffolk corriedale, $165
080. Franklin Co. 717-
349-7248.
Old blacksmith tools, anvil,
vise, hammers, thongs,
chisels, punches, etc.
Northumberland Co. 717-
339-4847.
1940 John Deere B, good
tires, rewired, new battery,
tarter, generator, $1750 or
trade on MT or LA. Juniata
Co. 717-535-5655.
Int hay rake, good cond
$750. US bedding chopper,
good cond $BOO. Home
Comfort cook stove, $lOO.
Somerset Co. 908-221-
9142.
9 1/2x9 1/2x7' market shed
or storage shed w/hip roof
must go by July 4. Adams
Co. 717-625-8197.
teacock, 1/2
a furnace
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