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IMHO play the banks as hard as you can.
they charge 20% interest and ridiculous penalties, and you in turn have the godgiven right to fuck them out of their unsecured loans.
watch your ass on the new GOP bankruptcy legislation which in essence is just a stopgap measure to help the banks not go ass up when the whole real estate/credit bubble pops. Banks sent people credit cards on the basis that the debt was unsecured and bankruptcy was an option, and people paid interest rates to reflect that. moving the goalposts at a federal level now is bullshit imho.
there is nothing dishonourable about fucking banks out of high interest unsecured debt. do not sacrifice years and years of your life working 2 jobs and living in poverty if its for some sort of bullshit "honour". play the fuckin game.
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