A challenge I've faced and how I've handled it, I would say my current job, it's a collection agency type deal, collecting on behalf of people who were uninsured at the time of an accident. I had this one client I spoke to. Their balance was pretty high. They were unable to pay the full balance. I worked with them to see what amount they would be able to afford each month to be able to pay and not make themselves get in debt because of it.