When you’re deep in debt, going to the mailbox can feel pretty overwhelming. In fact, I’ve had clients tell me that it’s something that have dreaded on a daily basis. Of course, this time of year, in addition to bills and junk mail, there are also greeting cards from friends and family.

I still get holiday greeting cards from people I have not spoken to in almost 20 years (let’s not let Roy, my associate know that as he’ll only remind me how old I am). Of course, I do not get cards like the one that fellow NACBA member and Hawaii Attorney Stuart Ing recently shared.

I am not sure if it’s funny, or just plain wrong. The artwork is pretty. It is apparently designed by Hallmark artist Johne Richardson (I did not misspell the first name).

The greeting card is fairly inoffensive to the eye. Soothing. A means of conveying peaceful wishes to someone struggling...almost like a sympathy card. And then... I get to the requisite FDCPA language on the inside left. You’ll need Adobe, – but you can check it out here.