Friday, September 08, 2006

You want to borrow what?

I see so many people that are struggling withy trust issues. I don't trust my husband... I don't trust my wife... I don't trust - I don't trust - I don't trust!

Trust is a tricky thing and so much is at stake. But so many times we fail to realize just what exactly trust is.

Trust is like a loan. When you trust someone, especially in a love relationship, you are allowing them to borrow your heart (or a part of it) in the hopes that you will receive a return WITH interest.

It is no wonder that so much anxiety is present around trust issues. Many lendors have given their entire emotional nest egg to a lendee who has not had the time to prove they are credit worthy. Ironically, usually it is the ones who have had several defaults on their heart that are the quickest to loan out their emotional stash.

Why is that? They are probably trying to regain what was lost and risky investments hold out the promise of the greatest returns. These risky loans are just that - risky. The odds are greater that you would lose than get that high return of interest.

So how do you approach lending your trust? Here are a few ideas:

1. Realize that your lending institution is insured by FSSIC (Father, Son, Spirit Insurance Corporation). Your ultimate security rests in knowing that when you are defaulted on, in time your wholeness will be restored by God. God does strongly request you to do a thorough audit to determine just how you contributed to the default - but that's another matter.

2. Don't send collection notices before the payment is late. Many people who have been defaulted on in the past will scurry around investigating their borrower and send them threratening notices IF they think the other is going to be late or default. This only frustrates the borrower and they begin to think how they can refinance with another, more friendly lender.

3. Sometimes it is best to decline a loan of your heart. Some people just aren't credit worthy when it comes to your emotional investment. Don't be afraid to turn away business when it is pretty likely you won't have a good customer.

4. Call the note due or foreclose! Finally, there are times when no matter how hard you have tried to work out payment arrangements, you just have to send it into foreclosure. Stop the bleeding, cut your losses, get what you can and move on. Sadly, that sometimes has to happen.

There is more to say and we will revisit the subject later.

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