instead of calling the creditor and dealing with the embarrassment and frustration of trying to work out a payment plan start with a smaller goal in mind call each creditor that youre trying to work with and ask for a payment history when working with a creditor get all the facts the lottery is ruining your life whether you buy lottery tickets once a day or once a year the lottery is destroying you because it is insidiously convincing you that the only way you can succeed in life is through luck instead of skill the luck of the draw will fail you