What Ever Happened To Personal Responsibility ??

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H2Andy:
"the lawyers never tell you that bankruptcy follows you around for 7 years (or is it 10?) and you won't even be able to get a loan for a cup of coffee"

they should tell you that. if they don't, they're not doing their jobs (now, there's
a surprise)

i also am troubled at the abuses of the bankruptcy process. as it was intended
and drafted, i think it's a good thing. however, any good thing can be missused,
and i think bankruptcy is being misused.

this is my 2 cents: the problem lies with aggressive lending by financial institutions.
they make their money nicely by the huge interest rates they charge most of us.
i don't feel too sorry for them. they know what they are doing, and they are not
losing money.
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Sad but true but the thing that comes to my mind is two wrongs do not make a right. Never has and never will.
 
H2Andy:
"the lawyers never tell you that bankruptcy follows you around for 7 years (or is it 10?) and you won't even be able to get a loan for a cup of coffee"



An old girlfriend, just to prove a point, filed bankruptcy and then got a $118,000 home loan less than two years later. She had to shop around but it wasn't that tough. She was in a low wage job at the time, now she's an unemployed student. Last year she refinanced the same property for $211,000. go figger. Immediately after bankruptcy she was flooded with credit card offers. It seems there's really little downside to bankruptcy. She's had to pay a little higher interest rates, but that's chicken feed compared to what she saved by bailing on the original debt.
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Here (the UK) its unfortunately getting into ridiculous blame someone else culture and its really irritating me.

Hot water dispensers for coffee and tea have a warning "Caution:- Hot water" and so on.

The main forum has 2 or 3 threads about personal responsibility so dont want to repeat at length my thoughts in here other than to say i think people should look after themselves and if they make a mistake not immediately look to blame someone else.

If i fall down some steps outside and they arent broken then its my fault, nobody elses.
 
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