by Andy Zain In today’s uncertain economy, it is often even tougher than it previously was for people who struggle to pay their bills from paycheck to paycheck, negotiating with utility companies and landlords, as well as even dodging bill collector’s letters and phone calls. People in this financial category have often had trouble when an unexpected expense occurs - such as a hospital bill or car repair. They have had to attempt to attain funds in ways that may be nerve wracking but will resu