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At one time or another all of us have been harassed by a bill collector. Nobody is perfect and sometimes we forget to pay or fall behind on payments on credit cards, mortgages, cars, medical bills, or other instances involving bills. Then, we get that dreaded letter or telephone call.For the good portion of people these calls can become a nuisance by their creditors. Like telemarketers, creditors can be really annoying with these collection calls but there is a solution.

Calling a credit card collections department was likely the worst idea that I’ve had in a while. It was almost a absolute waste of time from my perspective. The only thing that helped salvage the phone call from being completely pointless is that the account isn’t going to be sent to a debt collection agency. It made me wonder if this is an issue that other people run in to. Are the debt collectors so focused on what they need that they are unwilling to compromise?

If you take into consideration a mutual fund vs an ETF, which one wins? Which is the ideal investment choice as well as for exactly who?

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