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A lot of people believe that you shouldn't buy things with money that doesn't belong to you, then not pay it back...
It is downright sad how many people think nothing of running up their credit card bills, then thinking they don't have to pay the 1,000's of dollars they spent. And won't even attempt to try to pay them off, not even bothering to make payments. And then, they act all surprised and upset when it gets held against them at some point in time!!!
So many people with credit card debt are not spending it on necessities. They're spending it at expensive stores, electronics stores, going on vacation. When the creditors or even the attorneys come knocking on the door, then they cry poor.
I do a small amount of collections work sometimes. I have heard every excuse in the book. Every sob store. Divorce, custody battles, failed businesses, etc. Yet when I pull these people's statements, they're not buying life necessities. They're buying luxuries. This is true for 95% of cases that I see.
I know plenty of people who have fallen on hard times but didn't resort to credit cards to carry on with their previous lifestyles. They cut back, scaled down, and did without. It can be done without running up credit card debt.
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