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One question, though, to help me understand the context of some of the posts. Are you saying Bingocard's parents are Japanese and moved to U.S., where Bingocards was born and grew up? And now Bingocards has moved to Japan to work? For the context of his posts, I'm trying to picture if Bingocards looks like most everyone else on the street in Japan or not.

Bingocards is apparently very tall, American-born, not of Japanese descent, American citizen, engineer, Catholic, working in Japan for the past few years. He has worked hard to become fluent in Japanese language and culture. Apparently, he is sufficiently fluent that when someone cannot see him, they assume he is Japanese -- and can be quite startled upon actually meeting him in person.

Bingocards also gives really good advice to people who are trying to deal with their credit card companies and with the collection agencies. He has gone to the length of writing out many sample letters that folks can send to their companies (CC or collections). These detailed letters cite the specific laws governing how lenders and collections agancies can contact debtors and are extremely helpful for people struggling with handling these communications on top of their debt.
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