I don't understand people who don't want to face up to their responsibilities or actions. They go and take out loans or use their credit cards for every whim imaginable. They live for today and don't think about tomorrow. Eventually tomorrow comes, and they realize that they can't pay their bills. They then complain about the creditors constantly calling them or sending them notices requesting the money that is owed them. Well, it is their money. Money or credit was extended to you on good faith in which they expect you to pay them back. Nobody twisted your arm to buy that new car, computer, furniture or take that expensive vacation. You received a product or sevice and they expect to be paid back. Now you cry because they are bothering you. If you had loaned money to a friend and made prior arrangements on how it was to be paid back, and he avoided you and refused to do so, you would probably get upset to. The problem is, most people want to live beyond their means. Sure, there are some people who fall on bad times and are unfortunate. But mostly, people put themselves in this position for a variety of reasons and want others to bail them out and for themselves to avoid their own responsibilities. A thief likes to steal from others with no remorse, but a thief will cry out if someone steals from him.
Sounds as if you've been reading the press packets put out by the credit card companies. The fact is, the vast majority of bankruptcies have nothing to do with fiscal irresponsibility. Rather, they are the result of separation/divorce, illness, death of a family member, or job loss. IOW, bad things happening to good people. And our current system is making it ever easier for good people to take that wrong step. Thankfully, the BK process as it stands now is just, and the consequences are not nearly as bad as the "high horsers" would have you believe.
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