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I agree so much with you about the income tax

I agree so much with you about the income tax—although, like you said, it will never happen. But we can always hope.

But as far as bankruptcy, you are also entitled to your opinion. I’m so sad every-time I hear someone comment on persons who file BK as their “decision” and that they had a choice to get into debt or not. It’s insulting to people like myself who weren’t really in “debt” (the picture comes to mind in most people of irresponsible use of credit cards and general credit, i.e., overspending). Sometimes you just, because of circumstances beyond your control, lose everything. Filing BK is not an “easy” decision for a lot of people – it’s a gut-wrenching decision. And I owe no one an explanation of what my circumstances were – but I will say that I was not the typical stereotype that so many have fixed in their mind.

It’s almost unbearable at times to know that others put you in the big, one-size-fits-all bankruptcy category – the category who are “taking” from the the “honest, hard-working class” and taking a free ride, compliments of them. Perhaps one day there could be legislation to put person who have filed BK in colonies, like lepers (well, no that would take government money, too). But that it how the opinion of people who lump us all together makes one feel. Well, at least if we were separated into colonies, I might get to meet Dave Ramsey, since he filed bankruptcy, too.

SORRY TO GO ON – IT’S JUST HARD AT TIMES TO DEAL WITH THE OPINIONS OF THOSE WHO JUDGE OTHERS’ DECISIONS WITHOUT KNOWING ANY OF THE CIRCUMSTANCES OR EVER CONCEDING TO THE FACT THAT IT’S NOT ALWAYS “BAD DECISIONS” WHICH BRING SOME TO THAT POINT.

AND, BELIEVE ME – PRIOR TO FILING FOR BK, I’M ASHAMED TO SAY THAT I FELT EXACTLY THE SAME WAY AS SO MANY OTHERS DO.