DEBT CONSOLIDATION

"Please don't cry, Mrs. Moore," consoled loan officer Jackson Tydman, "this is strictly business, but unless you can come up with $400.00 by this Friday, we're going to have to repossess your car, and that's all there is to it!" Sitting in a chair across from Jack's desk, Nancy Moore was fighting to control her emotions, and unfortunately was failing miserably. Tears rolled down her cheeks as she tried to explain to Mr. Tydman that without a car, her husband Joe would lose his job as a traveling salesman. "Believe me when I tell you that I'm sympathetic to your position," Jack went on, "but you're two months behind already, and the bank feels that it would be unfair to our other customers if we let this thing go any longer!" Thinking fast on her feet, Nancy gave it one last shot, "Well, is there someone else I can talk to about this, like your supervisor or something!?!" Jackson Tydman gave her a long steady gaze and then replied slowly, "Well, I guess it wouldn't hurt to let you speak with Miss Winters, but I don't think it will do any good, she generally agrees with my judgment!" Getting up from behind his desk, Jack excused himself and said he would be right back. He quickly made his way to Blair Winters' office and stuck his head inside and said, "We got us a real hot one, babe, I'm going to send her down in a few minutes, she owes eight C's on their car and her old man needs it for his job as a salesman, I think she would do just about anything to keep from losing that car!" "I've got her good and softened up," he said with wink, "and I think it will only take a little shove to put her over the edge!" Blair Winters nodded to Jack and replied, "Good, give me a few minutes to review her file and then send her in!" Jack turned heal and headed back to his office where he found a more composed Nancy waiting patiently for his return. He slid around to his chair, sat down and offered, "I've talked to Miss "Winters and she will see you in a few minutes, she's very busy but can spare you a minute or two." "Oh thank you, Mr. Tydman," Nancy fairly gushed, "I just know she will give me a little more time!" Jackson Tydman merely nodded his head and leaned back in his chair and waited for Blair to buzz him.

Blair stood up and extended her hand to Nancy Moore and introduced herself, "Please sit down and make yourself comfortable, I'm Blair Winters, V.P. in charge of loans." After they were both seated, Blair glanced through Nancy's file and began, "I'm sorry to say that you are three months behind in your car payment, unfortunately it looks like we're going to have to repossess unless we get at least half payment this week." Nancy realized right away that it would do no good in pleading her case, as Blair Winters seemed even more harsh and rigid than Mr. Tydman. Blair again glanced through the file and continued on, "I also see that you and your husband have your home mortgage with us, as of this moment you are technically not late with your next payment, but you are about to go past the ten day grace period which means that you will be in arrears on both loans, you owe us a great deal of money, and from the looks of things you aren't going to be able to repay it!!!" Nancy again felt the tears welling up in her eyes, and seconds later she was bawling like a baby right in front of Miss Winters. Using that as her key, Blair got up, walked around the desk to where Nancy was sitting and put her arm around the sobbing young woman and gave her a hug and then asked, "Nancy, what would you do to have both of your loans brought back into balance?" "W-what do you mean," asked a confused Nancy?" "I mean," Blair continued on, "if some one shall we say laid $1500.00 dollars right here on the desk, what would you do to get it!?!" Nancy had by now quit crying and for the first time sensed that there might be a way out her problem. Looking into Blair Winters eyes for even a hint of what she had in mind, Nancy slowly answered, "Well, I guess I'd do just about anything, as long as it was legal, you know, not against the law or anything!" "A reasonable answer," Blair replied, "I would never ask you to do anything illegal, but on the other hand, it might be, shall we say sexual in nature!!!" Before Nancy could respond, Blair walked over to a VCR connected to a TV at the far end of the room and offered, "I want you to look at this, and before you say anything, just think about the $1500.00 and how it could solve all of your problems!"

...CONTINUES IN THE MEMBERS SECTION