tag:blogger.com,1999:blog-848541039913019341.post5806378159677702359..comments2023-10-01T06:34:39.919-06:00Comments on Random Musings of a Tormented Mind: Rescuing CreditKGouldhttp://www.blogger.com/profile/05537080163900313558noreply@blogger.comBlogger6125tag:blogger.com,1999:blog-848541039913019341.post-29069153084575676732009-05-08T08:58:00.000-06:002009-05-08T08:58:00.000-06:00Good post, in fact, excellent post.
As I posted m...Good post, in fact, excellent post.<br /><br />As I posted myself today - there is an illness in society based upon a desire to not be accountable.. that the rules apply to everyone else, but not me.<br /><br />How would these same people who rack up credit debt respond if, at the end of the month, their employer (or the government, or the person paying them support) said, "no, I don't feel like paying you today, I've spent my money on other things.. maybe later".Robert G. Harvie, Q.C.https://www.blogger.com/profile/10414822301931567654noreply@blogger.comtag:blogger.com,1999:blog-848541039913019341.post-14543821394628894832009-05-04T07:32:00.000-06:002009-05-04T07:32:00.000-06:00Sorry for the delay in approving comments. For som...Sorry for the delay in approving comments. For some reason Blogger did not tell me I had two more! <br /><br />Anyway yes, if people get themselves into hot water, they should be doing everything they can to get out of it. My bf had problems with his credit cards years ago and got in deep, so he contacted a Credit Counseling Service that had a good record with consumers (Better Business Bureau) and worked it out with them. It took awhile but he has had it all paid off for about 5-6 years and his credit score is back up. My brother also did this after getting silly with credit cards when he was in his early 20s and just did his best to get it all worked out. The end. All done. <br /><br />What I don't like is hearing about how credit card businesses are cut throat - well yes, they can be. That is how they make money - on interest charges, service fees, etc. Some are better than others but they all charge various levels. If you've never qualified for a card before and suddenly a company contacts you and wants to hand over a $5000 card, surely you must take a step back to think about it. Read the fine print, see that it's 30% interest, and then RUN like the wind. Don't sign your name on the dotted line(s), or if you get the card, don't spend spend spend and then wonder why the interest charge is astronomical. There are many steps along the way that alert consumers to what's going on with their card - statements, increasing credit (if you are having trouble paying the minimum already, why keep spending on the darn card when they increase your limit??), and then of course signing the slip at the store when you purchase something. Why is that the bank or institution's fault? Are they forcing you to apply for a card and then use it? I don't even take my credit cards out with me when I shop, unless I have something specific I know I'm going to put on there from time to time. Otherwise the cards remain at home, out of sight out of mind. And if I screw up, I won't be begging people to help me and waiting for bailout to save me, while protesting the card company. I'll be looking in the mirror and telling myself to stop being so stupid and then chopping up my cards.KGouldhttps://www.blogger.com/profile/05537080163900313558noreply@blogger.comtag:blogger.com,1999:blog-848541039913019341.post-14442622651827232812009-05-01T19:43:00.000-06:002009-05-01T19:43:00.000-06:00That's what comes from allowing the government to ...That's what comes from allowing the government to intrude into everyone's private lives. This obnoxious intervention by the bureaucrats and politicians has created a sense of entitlement. Everyone wants the champagne lifestyle on a beer salary and the government has encouraged it with their cradle to grave paternalism. While there is nothing wrong with aspiring to the gilded lifestyle, the problem is that most of those in deep debt neither want to work for it nor spend the time in serious schooling to achieve it. As the old story goes: Moses spoke unto the people and said load your camels and asses and I will lead you to the promises land; today the government says sit on your asses, light up a Camel, this is the promised land.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-848541039913019341.post-85880382045418278062009-05-01T19:30:00.000-06:002009-05-01T19:30:00.000-06:00Excellent post.Excellent post.tao_taierhttps://www.blogger.com/profile/16233189614853368414noreply@blogger.comtag:blogger.com,1999:blog-848541039913019341.post-30991570313252436192009-05-01T13:06:00.000-06:002009-05-01T13:06:00.000-06:00AMEN
Knowingly taking products and services while...AMEN<br /><br />Knowingly taking products and services while unable or unwilling to compensate the vendor constitutes either fraud or theft, both felonies.BillMhttps://www.blogger.com/profile/16338116017515403295noreply@blogger.comtag:blogger.com,1999:blog-848541039913019341.post-54762665174355872532009-05-01T12:57:00.000-06:002009-05-01T12:57:00.000-06:00I could not agree with you more. Take some persona...I could not agree with you more. Take some personal responsibility and get off your butt and go to work to pay down your debt. I have had to do it and I am a better person for it.Rockyhttps://www.blogger.com/profile/16848668797633398469noreply@blogger.com