Why should anyone be considerate with peoples inability to pay back their debt?
Its not anyones but their own fault for getting themselves into debt. Now I know their are differ situations so let me explain myself correctly:
Now I understand if you had a reduction of income and now ur not able to pay back debt. But why didnt you plan for these situations in the first place. Why did you go and charge what you cannot afford? After all that is one reason us Americans are in so much debt…. living outside our means. IF YOU CANNOT AFFORD, DONT BUY!!!
Now some exceptions are understandable:
Medical reasons, lack of education in order to obtain a good job to survive, using credit for LIVING EXPENESE, and im sure many reasonable explanations.
My point is why do many people with debt complain about their creditors when they new what this debt could do to you. Especially people with fairly great incomes.
Example: A couple is making $9000/month net income. One of them loses their job so now they down to $5000/month, yet they have 35k in unseucred debt. Living a great life with a great mtg, 3 car pmts ( new vehicles) and they still complain and whine about thier debt, their creditors , the economy. That just does not make sense to me. First of all, with this income you shouldnt even
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May 22nd, 2009 at 4:34 am
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i recently just went through a situation where i had to file bankruptcy, mostly due to medical bills. the problem that i came acrossed is that knowing that i was going to file i just kept spending and thought oh i will just add that to my bankruptcy, it was not until i sat down with my lawyer and he explained that my bankruptcy would not be approved if i showed the courts that i was being irresponsible. i was then forced to take a class that teachs you how to live in your means and how to plan for the future. my point is that not everyone is taught to be responcible for their actions. they just figure that they deserve it and would rather go have fun and spend money than pay bills. i would worry so much about it though because eventually it will catch up to them and they will be like me and have to file bankruptcy and have nothing to show for their life when they get old. i am just thankful that i was able to get help and shown the correct way to do things.