How to handle collection agencies
Person: Hello, this is [name] from [some sort of finances thing for UD], is Josh available?
Me (Josh): Ummmmmmmmmmmmm no?
Person: Ah, well, when will he be available?
Me (Still Josh, mind you): Well, he's uh, he's caught up with some stuff, so he won't be available until tomorrow afternoon. I think. Bye
*hangs up*









