As the head of the welfare agency in my town it is my honor and privilege to serve my community. I just recently added a new service; my slogan is ‘Stop collection harassment and collection agency abuse’. I did not in my wildest dreams imagine such long lines of people waiting to get in the door in order to sign up for appointments. For a moment I was left baffled for I thought I was helping them all out as much as possible. What were these long lines of in debt people doing barging in? I did not even know such debt existed until a few hours. It turned out that as soon as people received their welfare money they went out and spent it on unnecessary things like big expensive instruments or a fancier car. Large purchases on electronics were also a big cause of the severe debt. It was then that I decided to correct this problem straight from the beginning. I immediately set up sessions and workshops on money management. It was to my great disappointment that there was such a little turnout. It was then that I realized, the main problem is these people don’t really want your advice, all they want is your money.