In a perfect world, we'd all love to be able to pay all of our bills on time and in full.. but in the real world, life happens. Jobs get lost, people get sick and cicumstances change. My family of 5 has had an income decrease of almost 2/3.
Just paying our living expenses is tight- forget about the credit cards! We have even lost the house we worked so hard to get. I'm sorry "sandy" but you're wrong. And if you, in the credit/collections industry would get a clue about how hard it is out there right now and start helping people, you may start to see money being repaid. But when you're rude, inconsiderate and unwilling to help, it doesn't make the consumer all that interested in paying the money back- our credit is already trashed, so I don't really have anymore to loose by not paying you- you going to sue? Ok... then we'll file BK and you won't get anything.. Your choice.