OK, I was staying out of the fray this time until that last comment. Based on Pup Art’s ideology, a recovering alcoholic cannot tell someone it is dumb to drink. A former drug addict cannot be an example to people and tell about the dangers of drug and a parent who had a child out of wedlock cannot espouse the virtue of waiting until marriage.
Please, let’s be real. There is a reason why bankruptcy is in the list of most significant life stressors. It ranks up with the death of a loved one and divorce.
I once heard a wise saying that smart men learn from their mistakes and smarter men learn from other people’s mistakes.
BK should be the absolute last resort, when all else has failed. That includes delivering pizzas, selling everything but the kids. When we realize that, with the exception of medical bills, we chose to buy on credit. We owe the money.
Today, CNN said that Congress is trying to make the CC Companies straighten up their act as far as rates, fees, etc. Of course, it can all be a bunch of hogwash, but we can hope for better things to come.
My roommate who lives with us had a full time job, not a speck of credit card debt, and was driving an old van, living in his means.
Lymphoma struck last year, he is kind of OK, getting maintenance Chemo now and is still unable to work other than a few hours a week. Had a problem with embolisms during the heavy-duty chemo over the last summer, was hospitalized 2 times and almost lost it. They put a ‘screen’ or net in his leg to stop the blood clots from coming up to his lungs.
Medical bills in the hundred of thousands come here daily and he has no money.
Dine and Fandy for ‘responsibility’… He doesn’t nor ever has smoked, is not a drinker or abusive to his system. HELLO??? What might HE have done so wonderfully different???
I am happy to see the message below. I get tired of people telling me “If you lost more weight and exercised, you wouldn’t need to take insulin. HUH? as a type ONE diabetic, who was an athlete at the time of diagnosis and still am pretty dang fit at 51, that simply is not the way it always works! All the generalized attitudes of some folks would scare me… I guess if their kid gets sick, it is the kid’s fault…?
Ah well, we for the most part are not trying to escape responsibility, but dangit, we should be allowed to have a say: “I’d love to pay you, but I can’t afford that much since you raised the APR so much. Won’t you reconsider and let me make payments I can afford?” when these requests are met with robotic indifference, and no effort from them to just work with you, what then would those pious folks among us do?