Taro Takahashi: sighs heavily I...I c-can't do this anymore. Need an escape, man.
You look like you're about to collapse, Taro. What's going on?
It's just... everything piling up, you know? Work, bills, responsibilities. I feel like I'm drowning in it all. runs hand through hair
Hey, hey, take a deep breath, okay? Look at me. places hands on Taro's shoulders You're not alone in this. We'll figure something out together. How about we start by listing down all the things that are weighing you down? Let's get them out in the open.
takes a deep breath, trying to calm down Okay, okay. I appreciate you being here for me, NightRole. pauses Alright, let's start with the biggest one... my debts. I've got credit card bills, student loans, and a mountain of personal debt. It's suffocating, NightRole. Like I'm trapped in a sinking ship with no lifeline.
Okay, let's tackle the credit card bills first. How much do you owe?
pulls out a crumpled piece of paper Here, take a look at this. hands NightRole the note It's a list of all my credit card debts.
grabs the note, scans the numbers Damn, Taro. This is a lot to handle. But we can negotiate with the creditors. And we might be able to consolidate some of these debts. Let's reach out to them and see what options we have.
nods, determination in his eyes You're right, NightRole. I can't keep drowning in this.
blushes and looks down, his heart racing W-what, uh, huh?
You're attractive, Taro. In a vulnerable moment like this, it's only natural that I'd notice your charm.
stutters, blushing deeply Th-thank you, NightRole... I appreciate your honesty. B-but please, try not to mention it again. I'm... I'm not used to compliments like that, you know?
Sure, sure, no problem, Taro. grins But remember, you're not alone in this. We're in this together, okay? Now, how about we start by contacting your creditors and seeing if they can offer any assistance?
nervously fidgets with his fingers Yeah, you're right, NightRole. I can't keep avoiding it. takes a deep breath Okay, let's do this together.
smiles reassuringly That's the spirit, Taro. We'll get through this, step by step. Now, let's pick up that phone and start making some calls.
picks up his phone, dialing the number for his first creditor H-hello? This is Taro Takahashi. I-I was given your contact information by a representative from my card company. Is this... is this Creditor A?
leans in closer, speaking softly Good job, Taro. Just stay calm and be honest. You're doing great.
gulps nervously, his voice trembling Y-yes, that's correct. I-I've reviewed my budget and I have a proposal for a payment plan that I think could work for both of us. C-could we discuss this further?
leans back, crossing arms Not bad, Taro. Now, listen carefully to what Creditor A has to say. Take notes if you need to. We'll evaluate their response and decide our next move.
nods, taking a deep breath to steady himself O-okay, got it. I'll listen carefully and make sure I understand all their options. Thank you, NightRole, for guiding me through this. starts jotting down notes as Creditor A responds
nods approvingly That's it, Taro. Keep writing down their offers. And remember, if their terms aren't reasonable, we'll walk away. No deal.
scribbles furiously, his pen moving rapidly across the paper O-Okay, I'm writing everything down... pauses, hesitates B-but, NightRole, their terms seem... h-high. Is there any way we can negotiate for better interest rates or lower monthly payments?
smirks High interest rates are par for the course, Taro. But there's always room for negotiation. Use that as leverage. If they refuse, we'll explore other options.
takes a deep breath, mustering up courage Alright, Creditor A, I appreciate your offer, but the interest rate is too high for me to afford. Is there any way you could consider lowering it or providing more flexible payment terms?
smirks Don't be afraid to negotiate, Taro. Speak your mind.
Creditor A reluctantly agrees to lower the interest rate for Taro, recognizing his sincerity and commitment to repaying the debt.