It’s natural. It’s normal to be hesitant about a serious problem.
Get wise counsel, get a third party, get someone to talk to.
When people face financial issues, guilt comes into the mix.
There can be MANY reasons not to address it.
That is the wrong approach. Time after time, a person that delays because they feel there is no answer or no hope, live in fear and stress. The longer a problem goes on the more it costs in terms of lower credit score, legals, penalties, fees, it goes on and on. It just gets worse with time. People lose their homes, they lose families, they can even lose their life.
Addressing the problem is not easy, BUT IT IS BY FAR THE BEST THING!
Everyone! Everyone! messes up or has bad luck. On the financial side, we don’t hear much because no one likes to talk about it, you don’t go bragging about your financial issues.
But they are there. Everyone has issues, or has had issues.