In early April, Katelyn was in a financial bind: Home sick with COVID, she hadn't been paid in weeks. And bills were due. "My landlord is kinda beating down my door right now," she said in a voicemail to our hotline.

Weeks later, Katelyn got back in touch: She had made it through, thanks to a combination of playing hardball with one company and knowing how to play nice with others.

Because of her job, she had an insider's understanding of the playing-nice process: Katelyn works in collections for a financial institution, so she knew how to ask for help. Even so, she didn't find the process easy.

She came out of the ordeal with a heck of a story, and hard-won tips for all of us.

In addition, here are a couple of resources mentioned in this story:

* A collection of tips on dealing with medical bills and collection agencies, from one of our favorite teachers: TikTok mom Shaunna Burns. https://armandalegshow.com/medical-bill-tips-from-a-mom-who-knows-some-things
* Hello Landlord is a free online tool that automatically generates letters you can send to your landlord, asserting your legal rights. (Right now, those rights may include some federal protections avainst evictions.) https://hellolandlord.org/

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