In financial trouble? Track everything companies tell you

 

Source: Ron Lieber, N.Y.Times ( Paid Registration )

One unfortunate lesson from recessions past is that companies and consumers often disagree about what help they settled on and under what terms. Can you really, truly skip mortgage payments without triggering foreclosure proceedings? Which student loan repayment plan might disqualify you from other benefits?

Before you press record or start typing, prepare. Write a script of sorts. Can you phrase questions in a yes-or-no fashion? How many ways can you repeat something? If you can’t find out what exactly will happen, can you at least find out what won’t?

As for what to keep or download or scan or print, err on the side of overabundance. If you’ve sent a document that requires a response, save a copy of both. And keep them together.

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