You didn't get into debt overnight and getting out won't happen that quickly, either. We can help, but it's going to require some effort on your part. Our staff is ready to get you the help you want. I'm too busy right now. I'll do it tomorrow.
Tomorrow never comes or it comes too late.
Your life will never get any less busy. Ask us for help now, ignoring or postponing your problem will not make it better tomorrow. In fact, waiting just one more day will make your problems worse and harder to recover from. I'm in financial trouble. I shouldn't have to pay for help.