You didn't print that with a straight face, did you..??

Nothing like rewarding society for bad behavior … I guess the word “responsibility” has left your vocabulary, yes.?

Hmm, let's see here …

.. They've loaded up their VISA card with $9,000 in furniture they don't sit on .. pummeled their Discover card with 2 trips to Vegas, 10 days at Jamaica and let's not forget that little Bed n' Breakfast at $285 a night for 3 nights twice last year which is now ringing the bell at $7,500 … of course, they couldn't live without the $6,000 home theatre and those wonderful $5,000 wood floors they took the Heloc out for… let's not stop there, how about the BMW lease which is “just” a smigde under $700 a month..?

— And you want them “just” to start over because they are inconvenienced.?!? .. if you want them to start “re-building a life,” let them start by paying their bills first …

I've worked with credit for almost 22 years, and your 2-3 year program is a joke, a farce … first and foremost, the bankruptcy laws have changed by leaps and bounds since 2006, your creditors will now handle your future for you in the next 2/3 years, not you ..

Also your credit report will show diferent changes at different times, it's certainly not this “waving of a wand” and “poof”, it's all good — you should be ashamed for even printing such dirty slush.

But most important .. credit and low rates are now getting tougher for even 800 FICO scores – not easier … what do you think is going to happen with a foreclosure and charged off credit.?? .. banks are now charging psychotic fees and closing and restricting credit lines with superb histories — but, you're printing “sunshine and lollipops” in 2 years for the ones that flush their credit away?!? .l.o.l.. … let's try 5 years just to break even, and 6 years just to get a $1,000 credit card under 25% …

You must live in Tibet … Really, you need to read before you print.!

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