Give Me Credit Episode 21

In Part Two of this two-part conversation, John Mackey and J.S. Whaldo continue their discussion with financial expert Gerry Weston, shifting from warning signs to real solutions.Weston explains why speaking directly with your lender is often the most effective step when facing financial hardship. He outlines the tools many credit unions and community banks already offer, including payment skips, loan modifications, and partnerships with nonprofit credit counselors. Unlike for-profit debt relief companies, these options are designed to stabilize your finances, not profit from delay.This episode challenges outdated fears about creditors and highlights how modern collection departments increasingly focus on collaboration, empathy, and problem-solving. If you are dealing with debt stress, this episode shows you how to protect your credit and move forward with confidence. Get full access to Mortgage Lending Explained at jswhaldo.substack.com/subscribe