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"I guess what I am really taking exeception to what I perceive as the spirit behind the original post that initiated this thread. It just seems yet another judgement on those in trouble as somehow defective or morally reprobate."

I can't speak for Dale's intentions in his original post. But I can tell you that my response isn't intended to be mean-spirited or judgemental. I understand the challenges and difficulties associated with debt elimination. However, my ire is directed at the CC companies who are trying to convince us to get into debt up to our "you-know-what" to achieve some arbitrary "good credit" guideline. That point isn't directed in a negative sense at the debtors - they don't need me or anyone else to remind them. It is directed to try and change that "you can't live without debt" mindset. Many people I talk to clearly don't understand that they, not the CC companies, control their financial destiny. Someone said to me recently, "I didn't know I could make more than the minimum payment on my CC."

So, I'm only trying to reinforce the point that you don't need them, they need you. If it comes across strong or harsh, I'm sorry. However, I believe that is exactly the attitude one needs in dealing with the CC thieves. Everyone out here has the smarts and will to make a better financial life for themselves (that's why they are here.) They certainly don't need any "help" from the CC companies to get there. Thanks for your reply - I respect your opinion,
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