Just paid off $36 grand in credit card debt

So you should rent forever?

in some instances yes

dude.... BANKRUPTCY!!!! would still have the 36k in your pocket!!!

 Bankruptcy is MOSTLY a cop out for cowards who want to blame others for their disgusting, childish overspending.

So 33 percent of the United States population are cowards? That is the estimate for bankruptcies from now till 2014.  Nice post!

Not to be a smart ass but I don't think he's talking about buy a house with a credit card. As a Veteran I got my house for ONE dollar down and they give you the dollar in the loan.

If you have good credit but know the plug is getting ready to be pulled since your back is up against the wall you can get that apartment while you file BK then take your time moving into it from your house that you are losing.

And if YOU lose your job or business are we to put you in prison with you good name OR allow YOU a BK and go around calling you a dead beat?

Should that befall you you will change your tune. Many have tried to keep going and just lost it all.

Dead Beats are those who can work but Don't and suck off others. A person who has to excercise a BK option may be the victim of what is all around us right now. Check out the news... people are having a tough time paying regular bills and buying food numbnuts.

Maybe one of those cowards will stick a heater in your gut and earn his keep the old fashioned way to pay his bills after getting shitcanned by the company he's worked for for many years and that stole all his pension. You rejects think people who BK never had a normal life and paid their bills. What do you think they did... got credit handed to them and not once paid a dime? Look around you... many are in trouble and if it hits YOU don't BK tough guy... just sell you ass for food.

I said MOSTLY because there are RARE exceptions where people save money, pay their bills on time WITHOUT credit cards, and as a LAST RESORT, still eventually declare bankruptcy due to a loss of job, pension, etc. 

But let's be honest and agree that the vast majority of those that do declare bankruptcy are overspending, undisciplined, fiscally irresponsible people. 

Yeah, you say that now dbag.

Good job jog! You are a patriot, not like those scumbags who I see on TV that have bills ranging anywhere from a few thou to a few mil and end up only paying a small fraction of it and get away with it....lousy low life bums!

Again you are a patriot jog!!

I think everyone on a selected day should quit paying their credit card bills!

Screw these huge companies who reguarly ruin peoples lives and rob people blind, as yes these crooks get away with it and people defend the companies.

The only credit card I have is the one I can reload for purchases if I need it.  Costs me about 2-3 bucks to reload. If I cant buy it in full I dont buy it except for my ride.

If I do get a credit line I will burn em on it and I dont give a f*ck. I actually know a few loopholes here and there and use it against em any chance I get.

I could go into a few details but this is not the place.

Credit card companies are huge criminals and people in the retail world these days rarely carry cash these days and its sick. The average person does not even know that the CC companies charge the business a fee per transaction I used to have to argue this point to customers at my old liquor store. If we took a CC for payment for anything under $5, Our profit on that item was basically nothing......I had people pissed at me cause I would not accept their card for a 1/2 pint of heaven hill vodka at a price of $1.79. Our store would lose money on that sale.

And before a few of you guys start bashing me for being a loser in your eyes of you pussies.

Keep in mind I have less than 10k in debt and thats counting my vehicle that will be paid off in 13 months and Im 31.

But many americans would bash me for saying what I just said, yet they have tons of debt totalling most cases big 6 figures and are stressed out over it.

re read post #34 from LOTM and I bet that some of that will happen in our lifetime. Even though Im not a believer of the world ending but people are dumb enough I think to sabotage our own existance to where our world as we know it will change