Perverted Credit

We all have our different opinions about our creditors and that is certainly our right; whether or not creditors behave legally or illegally. But creditors certainly do not have the right to break the laws, but they do this anyways. Right now there is no law stating creditors can or cannot judge based on our spending habits. Truly this act is wrong for more than wrong reason.

It is our right to seek counseling (without being judged). It is also our right to stop using any account (credit card) that seeks to break the laws or violate our privacy. Now obviously creditors already know what we purchase and even in a sense how we live. It shows on the monthly bills we get every single month. But to know that we are being judged in such a way that determines what our monthly payment will be is almost – incongruous. For those of us that are not doormats and are not willing to sit back and allow creditors to walk all over us… stop using them. Pay these creditors off as fast as you possibly can then cut the cards up. If you continue to use them even though you know they are abysmal then you have only you to blame. We stopped using our credit cards several years ago and although it took some adjusting we get by just fine. As a matter of fact we are in a better position because sooner or later you are not only have your credit card payment but you also have the same necessities such as food and gas.

Health care is the big topic of today as it very well should be. No one can deny that health care is another industry that is ran by awful, corrupt corporations. Insurance companies have never had any type of regulation to stop illegal acts to consumers so the time has come for change.

The insurance industry however is not much different than the credit industry. For many years creditors have been able to violate consumer’s rights and the one government agency (state attorney general’s office) that is supposed to regulate these companies instead support their dishonest acts. Anyone who has filed a complaint to the Colorado attorney general when a collection agency has violated their rights knows that nothing is done to protect consumer’s rights. It is becoming common knowledge that the collection industry is a dirty business and the government that regulates them is just as dirty.

I see how hard Obama has to work for what seems to just make sense. I know that doing anything in our rapacious credit industry will be just as hard but I know that with people coming together to fight this can and will make the change “for us” happen.  I am willing to lead and do whatever it takes and I feel so passionate about this that even if I have to I will do it alone.