The lyrics behind Craig Campbell's new single, 'When I Get It,' could ring true this time of year for many folks getting hounded by debt collectors after exceeding limits on credit cards for Christmas shopping!

"I had the idea for this song, and when I started writing it, I had almost the whole first verse written," Campbell tells Taste of Country.

"Hello, who’s askin’? / A bill collector? Well he ain’t here / Ah hell, I guess you got me / Well, mister let me make this perfectly clear," Campbell sings in the opening lyrics to the song.

"When I was writing it, it was really slow and really gloomy. This guy was about to lose his farm ... the bank was fixin' to come take it and all this stuff. Then the hook was 'when I get it, you'll get it / That's all I got today.' That was the original hook for the song."

"So then I had a writing appointment [with] Jim McCormick and Jason Matthews a couple of weeks later," continues Campbell. "As soon as I told them about this idea that I had, they both just kind of looked at each other and said, 'Wow! This is a great idea!' But Jason spoke up and said, 'This needs to be uptempo. This needs to be an anthem! We need to make this a stick-it-to-the-man type of song!'"

"When I get it you’ll get it / Times are tough get in line and wait / When I get it you’ll get it / And that’s all you’re gettin’ today" they wrote in the chorus.

"It just came together," says Campbell of the 'When I Get It' lyrics. "We finished it pretty quick that day. It's just one of those songs that just fell out. It wasn't hard to write. It just happened.