Matt Harris

I took a rare trip to the grocery store yesterday.

What did you buy?

raspberries that was a mistake i might have to declare bankruptcy myself out of season raspberries must be the most brioche bread line thing ever yeah yeah well just you know like sometimes you're like i just want something healthy and like you can only think of that as healthy when there's probably tons of other stuff that's healthy but no normal stuff you know chicken and toilet paper nothing that glamorous and i was every time i go to supermarket like it's more yeah

So what's the solution?

Yeah, and so you hit on something really good.

There are solutions, right?

So those late payment penalties I talked about,

If you miss the first payment, you get the one.

If you don't pay within seven days, you get the four.

But you know what doesn't happen?

If you put it into a debt arrangement in that revenue, the incremental 1% disappears.

You still pay you some money interest because you've got their money, but that is reducing all the time as you start to pay down and you save some penalties.

So, you know, there are solutions.

I mean, they can do it, but it's a lot easier if we do it for them.

And so there's other things that we can do.

If you have a lump sum available, you can borrow from the bank maybe because you might be able to borrow from the bank at like 5.5%, for example.

instead of 8.9, and we can go, if you owe 30 grand, we can negotiate maybe a 20 grand settlement in full and final.

There are things that we can do, but you know what we can't do?

Imagine it if you haven't told us.

Yeah, yeah, yeah.