[BobL]

Of course if you DON’T MAKE A HABIT of borrowing money every time it’s offered to you, there’s really not much that these agencies can do to you.

But then borrowing is the AMERICAN WAY, I guess...

[Toadman]

DON’T MAKE A HABIT of borrowing money every time it’s offered to you...

I learned that lesson the hard way. I was in serious debt. Finally pulled my head out about 7 years ago and started paying off ALL debts.

It was tough at first but now there's light at the end of the tunnel.

I'm constantly harping on my kids not to make my mistake (so far they're doing well).