Our expert says:
Some crfediors are unfeeling and foolish - small sincere repayments are much better than nothing, and help to preseve an individual's ability to recover and finish the repayments. Everything is cyclical. Better times qwill come, and we need to survive, and thrive as best we can, until they do. And next time things get good, we all need to be more careful about debts, and saving, and being better able to withstand any future dips in the economy.
The companies and institutions which encouraged people to live beyond their means and spend what they didn't have and couldn't afford, were greedy and, frankly, wicked.
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