One of the best ways to avoid being bothered by a debt collection agency such as client services inc. is to establish a monthly budget that will comfortably allow you to meet your financial responsibilities.  When making your budget try simple little tricks such as, not eating or ordering out as often, watch a movie at home rather than going to the theater.  Often small adjustments such as these and others will give you a little extra money each month.  With the money you save, you will be able to keep your obligations, and avoid debt collectors pounding on your door.

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