or asking for a handout, they’re merely asking for a break in the payments regarding the time that they’re due, interest rate decreases, and minimum payment decreases. If a lender agrees to lower the interest and minimum payment for someone having a hard time making the payments, how is that forcing YOU to bail them out? It doesn’t even affect you.
You can tell people to “BE PREPARED” until you’re blue in the face, but even the best laid plans can fail. Life happens and sometimes there’s nothing you can do about it. The other night on Dave, a family had been on the plan and had a baby with severe allergies. They had to buy special formula to the tune of $2K a month! Things that we can’t control will happen in life and we all do our best to roll with the punche.
There’s a difference between being firm and showing someone where they made their mistakes and how to fix them and chastizing people for their mistakes. Just by virtue of being a member of this group, I would venture to guess that most, if not all, of the members here who are trying to get out of debt have realized the error of their ways and are working to fix it. By belittling them and asking why they were not prepared is not helping them.