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so we want to make a video I shouldnt be laughing its a very serious topic and uh and were gonna this is this information out there the economy is not great now a lot of people are behind on you Im going to talk about mortgages but your debts and were lenders but Im also a borrower I want to give you some tips or some suggestions on what to do if youre behind on your mortgage or it could be a credit card payment or a car loan but youre behind youre not making a payment thats right this applies to gelt financial but Im sure ninety percent of it 99 of it applies to every lender absolutely the first thing I want to say is theres nothing to be ashamed of or embarrassed of um about if you cant afford your payment things happen in life um and things happen to everyone including Ive been there Ive been there as a result of the Great Recession in 06 to 011 I was behind on things a lot of people were if you Google great Business Leaders like the Milton Hershey the founder of Hers