Do they look at you in a bad way?? Advice re a finance company

[BrightSparkles]

I think i need to ring a finance company and try and arrange some payment schedule of some sort because while i'm on maternity leave I just can't make the payments I need to.
Do they judge you and look badly upon you when/if you need to do this? I feel so embarrased about doing it and its why i've been trying to avoid doing it.

[Floweryfields]

I couldn't say what a finance company would feel - but as a centre director, I much prefer it if parents are up front when they are struggling with their fees rather than avoiding me and just getting way behind. Banks will normally try to help out, as would any financier worth their weight... give them a ring and be honest would be my advise.

[deletedit]

Not sure about finance companies but your utility bills really prefer it if you ring and make an arrangement and not just pay late.

[BrightSparkles]

Not sure about finance companies but your utility bills really prefer it if you ring and make an arrangement and not just pay late.

I've often done this with electricity bills as they always seem to be higher than we budget for (apart from the last bill which was HEAPS lower than we expected)
We are going to try and get a consolidation loan to start making a dent in the debt we have but until thats sorted we are just living pay check to pay check.

[Mak]

Sounds responsible to me! You have altered circumstances and are making adjustments accordingly, plenty of people would just let the bills pile up and hope they disappear rather than address it. You shouldn't be embarressed at all.
xx

[Doing my best]

The horror stories you see are generally people who haven't advised them of change of circumstance..

Although you have signed a contract, most companies will assist with a payment plan, but they aren't obliged to..