Letters to the Editor
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Kudos To Anon 7:41am -- You are Soooo Right!
SO here's what we did: We stopped paying our debts and decided to wait out the 7 years of bad credit. We're almost there-- just another 2 years to go. Of course we can't buy a house, a car, or anything in that time, but gosh, why would we do that, it would just cause more DEBT? That is one good thing to come out of all of it: We now know how to live without credit cards and debt! Not bad.
I know many might look at that and say it's really immoral and wrong for us to do it, and I DON'T CARE, because these credit card companies create a system where it's just impossible to do the right thing. I feel not an iota of guilt. My husband does, sometimes, but I don't.
You are right, right, right!
THEY are the ones who rigged the game. I've begged (literally pleaded for months) with my credit card companies to lower the rate to the single digits.
They laughed in my face and hung up on me.
So I stopped paying them.
Best decision I ever made. Now my priority is making sure my home and family budget is taken care of.
If 500 billion-a-year-in-profits Visa doesn't get my $275 minimum payment -- too damn bad for them. I'm sure they will survive! Bankrupting my family, literally watching my kids go hungry some days because I spent our last dollar trying to make Visa happy? Dumb. Family comes first and if these leg-breaking loan sharks at Visa refuse to act like sensible, decent human beings then I'll refuse to pay them (as I have) and not feel a damn bit of guilt about it.
See ya in 7 years Visa!