Shhh' It's the Bill Collector

By Suzy Q

Sandra is a gorgeous African American Woman. She also is a single divorced mother who is raising three sons and a grandson. She and her husband divorced ten years ago. Sandra not only is gorgeous but she also is the nicest person to have in your life. They dont come any nicer than Sandra. Even in the situation that she is in, Sandra would do anything for you!

• Language: English
• Publisher: Trafford Publishing
• Release date: Oct 6, 2017
• ISBN: 9781490780818

Suzy Q

Suzy Q retired from the Atlantic City Superior Court of New Jersey after being employed there for 30 1/2 years of service. Suzy Q has a BA in History with a minor in Criminal Justice from Montclair State University of Montclair, New Jersey, and she has a MA degree in Human Resources Training and Development from Seton Hall University in Orange New Jersey. In February 2010, upon retirement from the court system, she moved to Concord, North Carolina with her husband Lawrence. Prior to her retirement Suzy Q had enrolled in an online PhD Program at Capella University. She is now majoring in Advance Studies of Human Behavior in Psychology. However she also writes books in her spare time, which now is her passion. So at the present times she is multitasking with these endeavors; Lawrence, school, and writing books. She also got an American Bull Dog (Jade) who is now her other partner. Suzy Q is now a member at Simpson Gillespie United Methodist Church in Charlotte, North Carolina. She had recently been named the co-chairperson of the Evangelism Committee. And Suzy Q is now presently the co-chairperson of the Worship Committed and she also is one of the teachers in Childrens Church. This is Suzy Qs second novel; her first book title is (First there were three friends now there are two). All of her upcoming novels will be focused on Health Issues. However this book deals with money problems, that most of us have; and she feels that this book is very relatable and important to talk about. Today so many people young and old are suffering because they are faced with money issues, especially right now during this economic crisis that many of us are experiencing. Because so many people are out of work and can not pay their bills on time, many of them are being harassed by arrogant bill or debt collectors. It is Suzy Qs hope that all of her novels can be a benefit by helping the reader who is going through something to absorb this information; which might help them see their way clear while giving them some hope, happiness, spirituality; and to help steer them in the right direction. Suzy Q does use a Christian base for her story lines, because she knows about the power of prayer, and she knows that prayer does change things. Most of all she knows how good God has been to her. All Suzy Q has for God is Total Praise.

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Shhh’ It’s the bill collector

Suzy Q

© Copyright 2017 Suzy Q.

All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted, in any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without the written prior permission of the author.

Scripture quotations marked KJV are from the Holy Bible, King James Version (Authorized Version). First published in 1611. Quoted from the KJV Classic Reference Bible, Copyright © 1983 by The Zondervan Corporation.

English Standard Version (ESV)

The Holy Bible, English Standard Version. ESV® Text Edition: 2016. Copyright © 2001 by Crossway Bibles, a publishing ministry of Good News Publishers.

ISBN: 978-1-4907-8082-5 (sc)

ISBN: 978-1-4907-8081-8 (e)

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CONTENTS

Friday Night

Sleep

Sunday morning

Church/Choir

Monday Morning at Sandra Michelle’s house

Friday Morning

Sandra Michelle’s House Friday Night Party

Andrea’s Home

Riding Home

Work

Where is he?

Friday Night

Wedding Ceremony

Back at Andrea’s

Weekly Phone Talks

Work

Next Morning

Late in the Afternoon

Sunday Church/Dinner

Dating

The Engagement

Cancun

Wedding plans

Bridal Shower

Final Preparation

Bachelor Party

Rehearsal

Wedding

My Dedication To:

To my deceased mother Helena Blackwell who continues to guide me from above with her Holy Spirit and Christian values, memories and with all her love that she sends me each day from above. Every day still is, and always will be Mother’s Day for me! Mother there is still times when I pick up the phone to call you, and then I remember that you are up with our heavenly father!

To my late sister Cassandra (Cassy-Aunt Cassandra) who was an essential part of our family. We miss your sense of humor and your entertaining ways. You are forever in our hearts.

Rest in peace!

Then to my husband Lawrence, every day is better and sweeter than the day before with you. I love you very much and I want to grow old with you; and I give all my love to you. Here’s my heart to you!

To my

Children, Gaffney Jr., Michael and Maurice Hargis, I love you with all my heart and soul and you are my heartbeats. And sons I will still walk across water for you, while praying that God would continue to bless you and put a hedge of protection and a ring of fire around you, and keep you safe; and I pray that God would enlarge your territories; while blessing you indeed!

Sons please continue to pray and trust God.

I have much love for my extended children, Yowanda Cloyd, Kareem and La Mar Sapp. I pray that God will continue to bless, protect you, and keep you all safe while enlarging your territories.

I send much love to my Sisters’ Ann, Jerry Lynn, and Darlene. To my two brothers’ Reverend Dennis and Jeffrey Blackwell, may God continue to bless and keep you all!

I Love you all my family!

To my cousin JoAnne Blackwell you are an inspiration to me. God bless, you as you continue your work as the first female President of the National Blackwell Family Organization while ensuring our legacy.

To my special (Road Dogs) nieces Katrina and Amirah you are the daughters that I never had. I love you with all my heart.

To my grandson Gaffney (Trippy) and granddaughter Janaijah I love you very much! To my grand niece and nephew Jocelyn and Jai, I love you too!

I give a special thank you to Mrs. Louise Glover who always asks me how the book was coming along.

Jean Williams thank you for your daily phone calls. When you are away from home everyone needs a friend, and it is always good to hear from home.

Home is where the heart is. Many times I feel like ET did when he pointed up to the sky and said home!

Stacy Mainor, I really appreciate your weekly calls, only just to say hello and just to ask me how I am doing. Stacy please, remain, strong and continue to do well on your job!

Linda Anderson, Lynnaye Winters, Gerry Oliver, Essie Johnson and Esther Parrish, I thank you for your calls, your shoulders, friendship, cards and the inspirational pieces that lift me up on a daily basis. And Lord knows I need this, especially the bible verses and those sometimes quirky inspirational pieces of literature that you send to me!

Reverend Kay CEE you are awesome! You keep me inspired and motivated throughout school, and please know that I will get my PhD; Reverend Kay Cee you also keep praying for me and my family. Thank you so much for including me in your phone ministry.

Donna Parrish thank you my sister for all of your calls and all of the little things you do for me. You never say no. You have been a blessing to me and my sons! I love you my sister. May God continue to bless and keep you and your family!

Cherie Williams and Maxine White, my homies, I thank you for your visits; it did my heart good to see you! I love you guys!

Tee Tee, Shell, George, and Shawn I always enjoy your visit to my home, I love you guys; you bring me joy!

Lana Holman, Gladys Johnson and Stephanie Drains whenever I needed someone to go the doctor’s, hospital or meetings with me you have always been here for me! Thank you for all of your words of encouragement and support and everything you do for me!

Debra Lott, I thank you for your friendship. You continue to lift me up and give me the encouragement that I needed on the job.

Patricia Carmenia I thank you for your encouragement, support, talks and friendship. Sonya Swain thank you for your visits, talks and friendship!

To my cousin Lynn, thank you for your calls. Now I’m waiting for your visit. I love you!

To my extended brothers, Joe Brumby, and Arthur Holman thank you for always supporting, me and my husband.

My sweet Brooke, I love you like a daughter. I give my love to you.

Betty Rhyne meeting you at JCP has been a blessing for me and I will always treasure your friendship. Meeting you also has started a love affair of friendship in the family. Because I met you, now I met your sister Lottie, who is now also my friend too.

Louise and Hal Greaves and Iris and Michael Polk, Larry and I both thank you for your friendship and fellowships with us.

Cassandra Statton what a pleasure to have met you. You brought my first book and have encouraged me to write a sequel because you said it was that good.

To all of my family and friends who continue to encourage me and support me through prayer, words of encouragement and for buying my first book. Prayerfully you will enjoy this book just as much!

To my face book friends, I thank you for keeping me informed, connected and for sharing the beautiful spiritual pieces.

To my new church Simpson Gillespie United Methodist Church thank you for allowing Lawrence and I to be a part of the fellowship.

I thank and love all of you. I ask that you all continue to keep me in prayer. Prayerfully more books are yet to come!

I also give a very special thank you to all of my prayer warriors who also share my vision.

Patti La Belle sings you are my friends. Well you are all my family and friends, and I love you all for this!

And I would be remised if I did not thank all of the people who have been hassled daily by Bill Collectors, telemarketers, scammers, wrong numbers and any other debt harassers who have made unwanted phone calls to you; and then I praise all of you for, having the courage and faith to trust and believe in God by holding on.

This phenomenon has allowed me to have the vision to write this novel.

Please know that trouble don’t last always; and there is a bright side somewhere; and I always thank you God, because Joy does come in the morning!

And we have to continue to pray while thanking God for letting us make, it through another day!

Lastly I pray that you find this novel enjoyable to read as well as spiritual, relatable, informative and a guide for hope.

Suzy Q

Acknowledgements

I want to first acknowledge God who is first and foremost in my life! Through his vision, love, favor, grace and mercy I was able to write this Christian Novel. Yes this is my second novel!

I acknowledge that it is his will and his blessings for me to tell my stories in a Christian way.

I can do all things through Christ who strengthens me! Philippians 4:13. I thank you God for being so awesome in my life!

Yes God who saw it fit to allow me to retire after thirty years and a half years from the Superior Court of New Jersey, move to North Carolina, get sick and then get well again so that I could continue to write my Christian Novels; and God has also allowed me the opportunity to work on my PhD. Most importantly he allowed me to be a loving wife with my husband as a part of our team. Because of this I give God the honor and glory for this blessing. He is truly a mighty awesome God and worthy to be praised!

God you have been better to me than I have been to you, so I thank you again. God you looked beyond my faults and saw my needs!

For I know the thoughts I think towards you, thoughts of peace and not of evil to give you an expected end.

Jeremiah 29:11

Again to all of the people who have been harassed by bill

collector, telemarketers or anyone who have received any unwanted phone calls or bills, this acknowledgement and book is for you as well.

And many of you who are reading this book may also be able to relate to similar situations such as this with harassing bill collectors.

If you are being harassed by some bill collectors, ask them to stop calling you, and then ask them to send their request for payments or any correspondence to you by mail. If they refused to stop calling, try to get their names or an extension number and find out who their supervisors are.

Please let the supervisors know what is happening to you. And always get that supervisor’s name that you spoke with! If this does not work, contact a legal authority such as the Better Business Bureau, Newspaper or a Television News/Radio Station to have them to intervene for you.

Again by all means document everything, by getting their names, phone numbers and the dates and times of the calls. This so important to have for when you are filing a complaint.

It is also very important that you keep all of your receipts and records in a safe place at least for three to five years! Many times you have collectors that will try to harass you and try to collect for bills that you have already paid.

In this severe economic time of hardship, many people will be unable to pay their bills, rents and mortgages; and they will be harassed by mean and disrespectful bill collectors. Many times you can’t see your way clear and you are at your wits end, you become very depressed and helpless because of the harassment you are enduring and not knowing who to talk too to get help. These types of harassment can make you very ill. But hold on help is on the way!

The worst thing for you to do is to ignore these bills or the bill collectors’ calls. Because they don’t go away, these mean and harassing bill collectors will continue to harass you again and again, day in and out; and sometimes they may even put you into collection which can also be much more problematic for you.

Friends please, please do not ignore these complaints, and please know that help is on the way! So hold on; again please document the harassment, report them, and then find a reputable credit consolidation company to help you work out the problems.

Share your story with others. You might find someone who had similar experiences. They may be able to share information on what you can do to help resolve your problem. And then just keep on praying and trusting and believing that God will make a way. Yes God will make a way for you when there seems to be no way.

Isaiah 43:16.

And please know that God does answer prayers. And prayer is a very strong and viable vehicle for some peace! When all else fails God will direct your path.

He hears your cries, sees your tears and he also feels your pain!

Be blessed today, because this is the day that the Lord has made, and we are going to rejoice and be glad in it!

Psalm 118:24

Shhh’s It’s The Bill

Collector

Introduction

Sandra Michelle is a very gorgeous African American woman. She also is a single divorced mother and grandmother who’s, raising her three sons, one daughter and her adorable grandson as well. She and her husband divorced ten years ago. Sandra Michelle is not only gorgeous but she also is one of the nicest people one would ever want to have in their life. They don’t come any nicer than Sandra Michelle! She has a pure heart of gold.

Even in the situation that she is in, Sandra Michelle would do anything for you! All you have to do is ask her, she never turns anyone away. What a giving spirit she has. She’ll give you her shirt off her back and with such a warm smile; and she’ll also give you a delicious hot meal too!

Ever since the divorce she has been supporting the boys and her daughter on her own. Her ex-husband never gave them any type of support, emotionally or financially.

He never even spent time with the children as a father. Sandra Michelle has had to play mother and father to them at all times. However she

Has, grown to love her parenting role and would not change a thing, not even one thing would she change. Her love for her children is very strong. And these children know how much Sandra Michelle loves them. She always tells them that she loves them to the moon and back; while smothering them with plenty of hugs and kisses.

Raina is 19, Michael is 15, Wayne is 13 and Anthony who is the baby is 11 years old. Her daughter Raina is very beautiful and she is also very smart and ambitious; and all three of her sons are very handsome, athletic, smart and very respectable. They are always very obedient and helpful to their mother; and they loved their mother as much as she loves them.

Sandra Michelle’s grandson Javon is six years old. Javon is cute as a button and he is so very lovable. His mother Cheryl passed away two years ago from Breast Cancer at the age of twenty six. Then Sandra Michelle stepped in and got custody of him. She was not going to let just any one raise her grandson. It just was not going to happen. Sandra Michelle adores Javon, and he has been the love of her life and his uncles and aunt as well. Javon keeps Sandra Michelle and the whole family laughing all of the time. Sandra Michelle said she doesn’t know what she would do if Javon wasn’t with them.

And Sandra Michelle tells everyone that she would walk across water for her children, and she means it too!

However at times she has had to work two jobs just to give her family the things they needed, and of course what they sometimes wanted too. She also makes sure they have a good Christian upbringing. Every Sunday they went to church as a family. On Tuesday evenings she took the boys to prayer meetings at their church. This is where they all learned the scriptures, how