How about "don't borrow the money in the first place"? People are
typically
not on the financial scrap heap solely by virtue of the debt "system",
and
those that are it's usually because they went to non-traditional
lenders
like those usurious payday lenders rather than banks. Typically
they're
screwed because they spent more than they earned, in which the debt
is
simply a symptom of another problem. Or because their business failed.
Or
because they borrowed to buy something they couldn't afford, and then
lost
their jobs. For which the ready solution is "save, pay cash." Nobody
from
the bank has ever come around with a gun forcing me to borrow.
They've
created branches where it is convenient to do so. They've sent me
letters.
They've even occasionally pre-approved me. But never forced me. I've
rejected 99% of all debt solicitations I've ever been sent, it's not
that
hard.
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