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It's not your fault! Really?!? How so?

July 11th, 2009 at 06:24 pm

I'm gonna scream if I hear that commercial one more time!! It's a radio ad for some American something-or-other credit card counseling place that promises to help you with your debt. They actually say the words "It's not your fault". Hellllooooooo! Whose fault is it then? Did someone make you spend all that money on plastic?

Now, believe me, we have a whopper of credit card debt. So I'm not talking "down" to people that do. But it IS our fault, 100%. I hope to be able to take care of it a little at a time, but never once in all the time that it took to accumulate it or the time that it will take to pay it back will I EVER think that it was not our fault.

I get steaming mad every time I hear the ad. Responsibility for one's own actions just seem to be a thing of the past.

Thoughts?

8 Responses to “It's not your fault! Really?!? How so?”

  1. six Says:

    I hate those ads as well. They are still pushing people to buy stuff that they can not afford. How about the one where they say if you buy this car and you loose your job, you do not have to pay it? WHO DO THEY THINK IS GOING TO PAY FOR IT THEN IF NOT OTHER HARD WORKING TAX PAYERS? Sorry to be screaming* but it really makes me so angry!!! People better wake up and take responsibility. Hmpppph!

  2. ceejay74 Says:

    I'm with you. I do think that people are let loose on the world undereducated about finances, and that lenders take advantage of that ignorance with deceptive lending practices. That said, not everyone gets into superdebt because of the above. If you don't take at least partial responsibility for getting into debt, you'll never change your ways.

    I feel like I was very naive about finances, and that I wasn't given good advice by my mortgage lender (who said it was best to take out an ARM with a lower rate, since my home would have increased in value enough to refi before it adjusted. They knew what they were talking about, I assumed). On the other hand, I realize now that credit is just another commodity that I was being sold, along with the trappings of a consumer lifestyle. Now that I realize that, I can make sure it never happens again. I fell for it; it's my fault. I'm determined to pay everything off myself, no BK, no settlements.

  3. Ima saver Says:

    I agree with you!!

  4. whitestripe Says:

    I agree. The other thing that gets me is those that think they 'deserve' all the things they buy with plsatic as well. Pfft. You only deserve it if you worked the hours to pay for it.

  5. gamecock43 Says:

    I like your attitude!

  6. baselle Says:

    The faster one learns that truth, the faster one picks up a shovel to dig one's way out of debt... and frankly, the less money one will pay in total to get out of debt.

  7. M E 2 Says:



    Do credit card companies do some shady things and/or have some predatory practices? Sure, however, can/do they make YOU buy things you can't afford?? NO! @@

    Bottom line, YOU, are responsible for your debt, no matter what some company says. And let's face it, said company isn't going to help you simply out of the goodness of their heart now are they?

  8. frugaltexan75 Says:

    Oh I agree! Every time that commercial comes on I have to either change the station or talk back to it very sarcastically.

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