Reply #16: I'm probably the worst person you could say things like that to. [View All]

[napi21]

I've already lost two jobs due to management changes and the new management just wanted to bring in their own people. I do charge EVERYTHING I buy on a CC, but I pay it off every month so I don't care about the interest rate. I worked very hard and made extra payments so it's now paid off. I have some obscene credit limits on my credit cards, but I ONLY charge an amount I can pay off at the end of the month.

Yes, we have health insurance, not what it used to be 20 years ago, but better than nothing. I broke my ankle last Sept. and had to pay out of pocket $2,500 until I reached the cap. I worked out a payment plan with the Drs. and hospital and paid it off over several months.

I'm sorry, I don't have a lot of sympathy for people who can't control what they spend. And for those who lost their jobs, the Chapter 7 laws still apply. If you don't have income above $35,000 a year (I think) they can still have their debts erased.