u/InternalTNCreative90

OOF. Dropped the ball on one credit card because I was busy paying other ones. I'm almost maxed out on all of them, but I'm chipping away where I can. Only used them this much because I got laid off twice out of nowhere and both times, I was only able to use funds from freelance gigs and such.

Now I've got a letter from collections. I definitely have put off calling them back because of financial trauma, but it's gotta be done. Any tips on what I should say? Think I can convince them to set up a payment plan? It's a little over $3k.

I'm finally switching things up on my website. I've had the same template for years and I want a change. Since I started my site, I've become a digital consultant that focuses on graphic design and I'm looking to do more as a visual artist. I want to do more of both equally in the future. Like I want clients to see my work and I also want people to see the work I'm doing in the community and more with my art.

Is there a template that's already doing this? Or do you have ideas to how I can do this? I was thinking one main color for graphic design & consulting and another main color for art? Does that sound accessible?