While cutting the lawn this morning, I heard a radio ad for either a law firm or a credit counseling service; the ad was vague regarding the nature of the services provided. The spot featured a couple whose home was underwater, figuratively; that clarification has been rendered necessary by the bouts of flooding we have been experiencing in this part of the world, but I digress.
The couple was discussing their underwater home that had become (paraphrasing due to my lack of a photographic memory)
a bad investment that is ruining our lives.
The couple was concerned that any of the options available for solving their underwater home problem would have a negative impact on their credit. The solution, of course, was to call the firm running the ad because the couple would never know what the impact would be on their credit until they explored the situation further.
Think about it….
Here is a couple, fictional but representative, that is in trouble because they borrowed too much money. What is their primary concern? Not stiffing their creditors. Not working their way out of debt. No, their big worry is their access to credit so that they can borrow more money. And the ad emphasized that this couple was smart, sophisticated, successful, and savvy.
We are doomed.
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