If you made those purchases and had every intention of paying for them and due to an unforeseen loss of work later on, how is that stealing if you can honestly no longer afford to pay the debt and keep the lights on?
Please explain that to me.
Surely you know the saying about where the road leads that's paved with good intentions. And even in obama's America, there are still plenty of opportunities to find work and earn an honorable income. Take some time to watch Door to Door, the true story of Bill Porter, a man with cerebral palsy who did overcame tremendous odds to make a good living as a door-to-door salesman.
You have something that you did not pay for.
If you lose a job and can no longer afford the payments call the creditor and negotiate a payment plan. You already know they will accept something rather than nothing - they’re willing to sell the debt to a collector. Save them the trouble. Negotiate a payment that you believe you can make, and stick to it.
Dodging it doesn’t make it go away. It only makes life more stressful. And who needs that?
What if your former boss told you that the company intended to pay you but they just don’t have the money? Then they walked away leaving you with one or two weeks work unpaid. Would you feel they stole your time and work?
What if they offered to pay you part of your check? It would be better than nothing. Would you take it?
Contracts are promises. If you took on debt through your miscalculation of an ability to pay it off, you can still find some job—or some second job—to pay off your debt over time.
If you so totally screw up that that is not possible, we have bankruptcy. But someone with honor will do anything—including taking on a third job—to pay creditors, rather than hose them in court.
Please explain that to me.
I’m not sure an explanation would help when you apparently believe that job loss equals cancellation of debt.
It does not, debt incurred is debt. It doesn’t go away in the real world. You incur debt, you pay it off, except in one case and one case only.
We are all indebted to the one whose blood was shed in our behalf. A debt that we can never repay. What do we have to give in recompense other than perhaps obediance.
That would include the ten suggestions, one of which is, “thou shalt not steal”.
The road to he’ll is paved with good ‘intentions’.
“Your honor, I didn’t intend to steal that car, but I had to in order to buy groceries. “
Makes it all better, doesn’t it?
how is that stealing if you can honestly no longer afford to pay the debt and keep the lights on?
Turn the lights off then until you can afford to turn them back on.
Please explain that to me."
Simple. Be upfront. Show good faith. Contact the credit card company and explain the situation. According to what I have read, just about all creditors will be willing to work out a payment plan with you, even if the payments are small.