I thought my comments were good enough to post here, not that anyone would come by this blog except by accident.
Politically i would be best classified as a free trading, pro-business, neo-con, religious right wing conservative intellectual. I can't speak specifically about the merits of this bill cause I don't know much about it.
I do know that I have recently filed for and received a discharge of debts under Chapter 7. While I am not proud of having done so and fully acknowlege pure financial
stupidity and poor decision making on my part in the process, still I don't feel
guilty in the least for having pursued bankruptcy protection because of the
circumstances, my worldview, and intellecual nature. To some it may seem odd but
I really don't "credit" myself as guilty anymore precisely because of my
religious and economic/political beliefs. Walk a mile in my shoes and see where
they lead you.
I want to answer the Leesus question as forthrightly as I
"If people get into debt, why should the creditors get stuck with
Simply because a "creditor" by another name is an investor
who is assuming some risk to pursue profit. Money and people are a volitile
combination and things don't always turn out like we want or expect and that's
life; be thankful for what you have, don't envy or covet and be willing to
forgive those who owe you debts if necessary because if you will not forgive
them it would be better that you should not have gone into business at all.
Getting stuck with the bill and paying it is a righteous thing.
At the end of the day after my bankruptcy I was better off and the credit card
companies and their employees while not "better off" than when they had me on
the hook are still far better off financially than me, are plenty solvant and
are reaping healthy profits. They have better financial sense than me, so more
power to em!
Leesus writes this:
"I am sick of personally financing
other people's "fresh starts." I sold my car once to pay for some idiots "fresh
I have little sympathy. Pay your bills."
If you have no sympathy for the destitute why should the destitute or anyone for that matter have any sympathy for you? The only real sympathy your gonna receive for your attitude is the sympathy of the devil and I'm not saying that to be snippy.
No one likes getting ripped off but between the choice of that or being
heavily saddled by a pile of debt, I know which option I prefer and that from
experience of both? Having your stuff stolen or being betrayed sucks, but having
a conscience and some pride yet knowing that you are a financial screw up and
own less than nothing despite working hard and trying to play by the rules is
Some people have a midas touch and in some hands gold turns
to dust. Both thought they were cursed (because they were)