she decided to purchase a cor. She, doing well with the a car. She d then things got behind. She started yments with her credit card, cand ow she is behind on both her credit has been caling her at work and threatening calling her at work to get current. rent payment to ma is terrified and is considering using her will stop calling. 1 Formulate a strategy for Michelle to overcome her fear and deal with the collector. 2 Is it smart for Michelle to use her rent money to make other payments? Why or why not? 3 What solutions would you offer Michelle in negotiating with the collector