I laughed at the end. :-) This is a great explanation and definitely not talking to me or anyone else like I'm a 5 year old. Not blaming, but explaiing.
I appreciate that you took the time to write all of this out for me. It helps a lot to understand the inner workings.
As I said before, it makes me angry that they treat their clients this way. I would venture to say that the majority of people on these forums did not get into financial trouble because they were out shopping every day. My reason was 12 years ago when I was laid off from my job when I was on maternity leave and my daughter was 8 weeks old. I was/am a single mother with no other source of income. I lost my job because I was working in state government and the parties changed during the governor's election in Nov. At that itme, I was a single pregnant 40 year old woman so the other side waited to fire me (or lay off as they like to say) after I had my baby and was about to come back to work in March.
I didn't expect to get pregnant and I didn't expect to lose my job. When I had to file Ch. 13, my lawyers told me that 99.9% of the people who come to them are there b/c of long term unemployment or medical bills. I didn't want to be in the position I was in but I had to do it. I felt weak and helpless and under somebody else's control - not a good feeling.
I'm probably wasting my time and energy being angry at such companies. It makes me angry on the behalf of others on here. Yes, yes, it is reality but it still makes me feel as if we are being kicked when we're down.
