Do we "deserve" a clean slate?

[justbroke]

It's all a conspiracy.

[fltoo]

I think that we all agree, Bandit, whether stated or not, that there are most certainly circumstances that are out of one's control. Medical catastrophe, divorce, etc.

[fltoo]

It's all a conspiracy.

Not only are you smart, you have a wonderful sense of humor.

[Bandit]

So true. Maybe someone who is not filing BK and pays their bills on time and in full can chime in on you not paying 55% of your debt.

LOL! ROFL.

I can tell one thing for sure, I did not pay 100% of my medical bills. I am lucky that I even have any teeth left to chew with. Other than that I have paid every one of my other bills in full & on time since the first day I was able to go to work. Does that count?

[justbroke]

Not only are you smart, you have a wonderful sense of humor.

Thank you.

I just repeat what I read.

[Bandit]

It's all a conspiracy.

just one conspiracy after another one. there is nothing real, just conspiracies and theories...

[justbroke]

just one conspiracy after another one. there is nothing real, just conspiracies and theories...

Well, my theory is, that each individual, although they have similar reasons to file Bankruptcy, are a case each and of themselves.

Whether it's socio-economics or plain greed, fraud, or whathaveyou... we are all here.

I, for one, wish I could pay all my creditors back. I know that the entire system is now collapsing because, well, people aren't paying back what they "charged" (owe).

In the end... do I deserve a discharge of all my debt? (I can't even answer that question, and won't.)

[fltoo]

Bandit, yup, it counts. For all your medical problems and all that you have gone through, I have never seen you moan and groan or claim the "unfair" card.

You are an inspiration to me most definitely and probably others here, too.

[Bandit]

If I ever got rich I would take the amount plus interest that I discharged in bankruptcy and donate it to causes like debtor education. Get some good out of it.

Would I pay it back to the creditors? Sure! You and I just did courtesy of the 700b tarp.

I would too. I would pay them every red cent. I never did take the attitude of screw them all, even though some of them try to screw us. That includes every doctor & hospital.

Only I would not give them the interest, other than the interest that was due at the time. For example if it was 1% at the time, not all that compounded interest from that time to the present.
I never needed debtor education but i think it was good for a lot of people who dont know what they are doing with money, mostly as in abusing credit.

[Bandit]

Well, my theory is, that each individual, although they have similar reasons to file Bankruptcy, are a case each and of themselves.

Whether it's socio-economics or plain greed, fraud, or whathaveyou... we are all here.

I, for one, wish I could pay all my creditors back. I know that the entire system is now collapsing because, well, people aren't paying back what they "charged" (owe).

In the end... do I deserve a discharge of all my debt? (I can't even answer that question, and won't.)

I think most people do want to pay back their debts. But then as they learn about all of this & what happened they go thru emotions & become very angry, depressed & even hostile at times.

I dont know if I deserve it or not, I just know that I am doing my best to keep health insurance so I dont end up in that same situation but to be perfectly honest lately, I cannot even guarantee that to myself. It bothers me that I cant afford the best health insurance and that I will still have debt after these high premiums.

I cannot stand being in any kind of debt. I am just not built for it.

[Bandit]

Man, this is a hot thread!

you can sure get some steam out of your ears here today!

[justbroke]

I dont know if I deserve it or not,

See, that's why i wrote that I can't (and won't) say if I deserve it.

We are a society driven by covet and greed. It is all based on what the Jnoe's have. We believe we deserve the same lifestyle, homes, cars, electronics, etc, as the rest do.

So, I'll ask the question to myself...

Q: In light of all that is going on in the country, do I deserve a discharge of some of my debt?

A: Yes... because everyone else is doing it.

(Now, that's about as honest as I'm prepared to be today. Does it represent my true feelings, no, but it's a thought in the back of my mind.)

[DisneyGirl]

I felt like we deserved it for sure. We fought tooth and nail after our sons were diagnosed to get some help. We were denied help for a couple different reasons. So we had two choices 1) use credit cards to pay their medical expenses or 2) not help them. I think most will agree #2 is NOT a viable option. We got the state's help one way or another in our situation. Call me what you want. I did what I had to for my boys.

For the record, we still don't get any help for them through either the state or their medical insurance (through hubby's work). We pay out of pocket for everything.

I just sound bitter today, yikes!

[floridian]

nope you dont deserve it... i believe everyone should be made to suffer, as it builds character....... (just kidding)!

[banca rotta]

I would like to apologize and retract my earlier post on calling Pay Day loans a scheme.

I didn't realize until now that they are sponsoring this forum.

I am sorry, please forgive me.