unytcommsys (January 1, 1970 at 12:59 am)

Credit card companies make money on fees charge to merchants as well.

unytcommsys (January 1, 1970 at 12:59 am)

People live to live their lives even if they don't have the full means because they will build debt and probably will not pay it off when they die. Plain and simple.

unytcommsys (January 1, 1970 at 12:59 am)

100%, Yep, wise.

dan020350 (January 1, 1970 at 12:59 am)

I hate the gov't . I would love the gov't if there was no taxes except war time

enna1855 (January 1, 1970 at 12:59 am)

I am one of Andrew Cappocias victims. I was escaping an abusive husband and charged an appartment and a divorce lawyer. I paid this man $582/month for 2 years to help me make things right. He paid his fee, one card an then left town.He ruined my life-credit cards that I charged $2000 were now $5000.I'm a hardworking person,trusted a LAWYER to help who ran off with $14,000. He's destroyed my credit far worse than I could have on my own.I want my money back. This man is pure evil and a true con.

quittingtomorrow (January 1, 1970 at 12:59 am)

Capoccia had a massive ad campaign in newspaper and on radio and tv for a couple years in Upstate New York, for his "debt-reduction" services. He claimed to be able to reduce your debt levels dramatically, without putting you in bankruptcy, while charging only a "small part" of the savings. The ads were aimed at people who wanted to avoid bankruptcy — and, had enough money to afford his fees.blogs.law.harvard

quittingtomorrow (January 1, 1970 at 12:59 am)

debt collection agencies are very careful these days. its not possible to catch that out so easily anymore. debt just sits, and so do the collectors.

kozes (January 1, 1970 at 12:59 am)

its like losing weight. burn more than you eat. i dont understand how ppl cant grab the concept of these basic fundamentals. you are exactly right. spend less than you make. dont buy the obnoxiously huge house that you can barely afford. living below your means = good.

prayfertrey (January 1, 1970 at 12:59 am)

I know one way that is guaranteed to work every time. Don't buy things you can't afford.

123KGBAndMe (January 1, 1970 at 12:59 am)

Cause its the company's that give money to candidates so they will win. Much like Chinese businessmen give money to candidates in the west that will ship work to China.