November is Financial Literacy Month and Daybreak is hosting a 5-part series to educate everyone on the finer points of managing money and managing debt. Helping to navigate these choppy waters is Shawn Stack, a licensed insolvency trustee with the firm of Bromwich & Smith. This week, with many people juggling a lot of debt, and the financial situation in Alberta generally, it can all be compounded by unemployment. What happens if the creditors or collection agencies start calling?