I don't doubt that many people are able to save their financial skin by finding a bankruptcy lawyer and filing for personal bankruptcy. It seems to happen all the time in our society, and unfortunately it happens too much. If you've ever owned a business, and had someone not paying their bill, and then when you call them up, and they tell you they just filed for bankruptcy, it kind of lets the air out of your sails (and sales) for the day.
Now then, what if we did not have bankruptcy laws, and we didn't have bankruptcy lawyers? If that were the case do you think that more people would be more careful when it came to signing their name on the dotted line to borrow money? I think it certainly might, and it is unfortunate that most Americans cannot balance a checkbook once they graduate from high school, and that they might buy a home on a mortgage that they really can't repay, because they haven't honestly looked at their budget, or met the realization that they don't have enough money saved in case they lose their source of income or employment.
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In other countries and in previous times there are or were debtors prisons, and places where people could work off the money they owed, until it was paid in full. This protected business owners, banks, and those who lent out money. Today, with our entitlement society, people don't think very much about the contracts they sign, or how they are going to pay back all the things they bought on a credit card, or on credit. That's very unfortunate.
Perhaps what is worse is that bankruptcy lawyers advertise on the radio telling people that they can get them off the hook for the money they owe. That seems rather unfortunate that they are putting the idea into the minds of consumers that they don't actually have to pay for the things they promised to pay for, of course they do, they have to pay for those things, but apparently if an attorney says they don't, and files a piece of paper with the court, they can ditch those obligations without regard to the other party.
Then the same consumers and citizens justify it in their minds that it's okay because they owe the money to a big bad corporation, or someone in the 1%, and that they deserved to get free stuff and have someone else pay for it. It's just this sort of attitude that is being perpetuated by bankruptcy lawyers, and even the Teleprompter in Chief. If we don't stop this lackadaisical attitude towards personal responsibility, we are headed for a big financial disaster. Indeed I hope you will please consider all this and think on it.
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