If read in a quiet relaxed atmosphere, without interruption, you will find comprehension to be surprisingly high. To further assist you with understanding and planning, you will find explanations of critical subjects in everyday language throughout the text. Virtually everyone, regardless of name, occupation, or surprisingly even income is bound to experience encounters of the 'harassing kind' at least once in a lifetime. If it's not part of maturing as a young adult, it's part of a divorce. If it's not part of a dream gone bad, it's the result of an illness, hurricane or business failure.
Financial hardship comes with many faces, but it stems from two primary sources.
It can be the result of mismanaged credit and not integrating sound principles into one's financial planing, or it can result from a personal calamity. The bottom line is that financial hardship is not a respecter of persons or positions. Unexpected, and often undeserved, circumstances can leave both vulnerable to the harassment of collection agencies. Before trashing the collection industry, it is important to note that the debt collection business is very much needed in a free enterprise system. You could call it a necessary evil if you like.