Unfortunately, I don't think you followed

the thread very well.  The responses about being in debt and too many people living for the moment were in response to a suggestion posted above to just file bankruptcy.  The comments below that suggestion were not directed towards the OP.  The OP mentioned nothing about any personal situation, only on how to negotiate better credit card rates.  Please reread the thread and see where the comments are being directed before assuming that someone's comments are inappropriate. 

• credit card debt relief - stressed
  • Before considering the CCCS or debt relief (sm) - Been there
  • i was under the impression.... - anon
    • after BR there are many Fresh Start programs. - NM
    • A lot has changed in 5 years -- - anon2
      • I agree with you. Too many people.. - phillychick
        • I knew it was a matter of time before Philly started spewing about sm - ?
          • So let me make sure I have this right... - phillychick
            • Not exactly... - mt
              • i can't believe you are falling for someone's story that probably isn't true - tweeter
                • What amazes me, though it probably shouldn't - anon2
              • Not judging honey, believe me, I speak... - phillychick
          • Right. She's just that simple. - that's why her hubby takes care of her financia
            • Better her hubby than us taxpayers! - anon2
        • your opinion is again inappropriate, as you do not support yourself. - NM
          • What do you mean she does not support herself - anon2
            • Thank you. I would venture to say.. - phillychick
          • not you again....we can all have opinions... - phillychick
            • it is wonderful to see how many people have such strong opinions about people in debt. - anon
              • Unfortunately, I don't think you followed - anon2
              • thank you, anon. And this, Philly, is why your posts are inappropriate. - to say the least. NM
                • What's inappropriate to some... - phillychick
                  • I just don't its right to generalize about people.sm - kittykitty
                    • I'm so fired up left off, "I don't THINK its right! nm - kittykitty
              • A shame this place is so catty. But that is freedom of speech for you. - Walk a mile in shoes
                • Well said, Well Said. BRAVA!! - anon
  • I agree with trying to negotiate with the CC companies - Backwards typist
  • Credit Card Debt Counseling - link inside
  • credit card - mnmt
    • try to negotiate for a lower APR before going to CCC & use the word "hardship" - mtstudent

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