It's not like you get a heads-up that a teleshark, err, debt collection agent will be calling you. 

That's makes you uber-smart for downloading this 7 Deadly Sins cheat sheet.  

Print this baby out and keep it in the FRONT of your debt folder. You'll need easy access to avoid committing deadly sins like: 

Failing to call them on their crap.

Getting wrangled into paying on a zombie debt. 

Letting them embarrass you at work. 

Plus four more!

© Frugal Confessions, LLC