topic Re: Why Every American Man (and some women) should carry $100k available credit 24/7/365 in SmorgasBoard

Why Every American Man (and some women) should carry $100k available credit 24/7/365

Whitte84 — Wed, 12 Nov 2025 16:06:02 GMT

The likelihood of an American male being arrested for any crime is quite high, especially related to people involved in dysfunctional relationships. Men who have children with somebody who no longer wants to be in the relationship face particular risks because so much more is at stake financially for both parties. This frequently creates an impasse where the party who wants to end the relationship doesn't want to move for financial or controlling interest reasons. A man who finds himself in this particular situation will often remark to his partner that "if she wants to leave then there is the door but this is our home." Avoiding the why's and how's, very frequently these men will find themselves arrested, breaking the impasse while simultaneously creating inordinate, highly damaging scenarios.

A public defender cannot provide needed resources, dedication, or expertise required to navigate fairly treacherous waters unique to an increasingly blended criminal/family court environment. Every man should carry $100,000 in credit to protect themselves, their freedom, and parental rights. If you raise boys, they don't necessarily need to understand in detail that this is one of the larger perils to them as they get older but they should know unique risks accompany manhood and In times of trouble being prepared financially gives them the greatest opportunity to come out the other side in one piece.

Re: Why Every American Man (and some women) should carry $100k available credit 24/7/365

Varsity_Lu — Wed, 12 Nov 2025 16:17:35 GMT

Ok, I'll bite...

Why $100,000? What's so special about that number?

Re: Why Every American Man (and some women) should carry $100k available credit 24/7/365

Whitte84 — Wed, 12 Nov 2025 16:20:11 GMT

It gives you the resources needed to hire whoever is required.

Re: Why Every American Man (and some women) should carry $100k available credit 24/7/365

Vinjints — Wed, 12 Nov 2025 17:17:12 GMT

Somebody stayed at a Holiday Inn Express last night.

Re: Why Every American Man (and some women) should carry $100k available credit 24/7/365

1lifeisworthit — Wed, 12 Nov 2025 19:55:12 GMT

What did you do, you naughty bloke?

Re: Why Every American Man (and some women) should carry $100k available credit 24/7/365

1lifeisworthit — Wed, 12 Nov 2025 19:56:41 GMT

@Whitte84 wrote:
It gives you the resources needed to hire whoever is required.

And how do you get the resources to pay it back?

Re: Why Every American Man (and some women) should carry $100k available credit 24/7/365

Thomas_Thumb — Thu, 13 Nov 2025 01:24:26 GMT

@Whitte84 wrote:
The likelihood of an American male being arrested for any crime is quite high.

Every man should carry $100,000 in credit to protect themselves, their freedom, and parental rights.

Cash is king. Why not keep $100,000 in untouchable cash or gold? Otherwise, consider crypto currency - the untraceable asset preferred by criminals.

Re: Why Every American Man (and some women) should carry $100k available credit 24/7/365

Realist — Sat, 15 Nov 2025 16:54:29 GMT

Why not simply choose to partner up with someone thats functional instead? When courting a potential partner, surely there's more than enough time to expose the flaws that are liveable and workable, and the red flags that aren't possible, and must be walked away from.

Relationships need to be worked on and worked through, compromising and working through issues. Nurtured, and grown. No one goes in wanting to divorce, nor do they expect to have to have cash set aside as a just in case I need an attorney. Those situations are usually due to some major breakdown on someones part.

Re: Why Every American Man (and some women) should carry $100k available credit 24/7/365

Jessie — Sat, 22 Nov 2025 01:18:51 GMT

There's no way every American can qualify for this much credit!

Re: Why Every American Man (and some women) should carry $100k available credit 24/7/365

1lifeisworthit — Sat, 22 Nov 2025 02:52:28 GMT

@Realist wrote:
Why not simply choose to partner up with someone thats functional instead? When courting a potential partner, surely there's more than enough time to expose the flaws that are liveable and workable, and the red flags that aren't possible, and must be walked away from.

I love this answer. Can we ALWAYS tell? Probably not. Can't we at least TRY to identify problems before inserting tabs into slots, before signing leases, before slipping rings onto fingers? I'm betting we can, and should.

Re: Why Every American Man (and some women) should carry $100k available credit 24/7/365

TrapLine — Sun, 23 Nov 2025 09:12:08 GMT

@Thomas_Thumb

Hmm ... innovative suggestion

Re: Why Every American Man (and some women) should carry $100k available credit 24/7/365

AndrewF — Sat, 03 Jan 2026 01:30:01 GMT

The difference between a public defender and a private attorney is usually just the size of the check you want to cut to a law firm.

Most lawyers that I know do public defender work if they're in criminal law, for the same reason that perfectly good doctors take Medicare and Medicaid even though they're government programs that don't pay as much. It's better to not have gaps in your schedule.

The State where I live pays private defense attorneys. There really is no "public defender system" in Illinois, it's just a random private practice attorney, and I know they're not all bad because my ex who beat me severely and hospitalized me got a public defender, and I thought what everyone else does. "Hahaha. Cooked!" But then after his 18 days in jail waiting to see the judge, the public defender was able to get the charges dropped and my scumbag ex-boyfriend who hurt me really bad is back to his usual life, without any sort of a record.

Compare that with me. I was falsely accused of a crime and hired a private defense attorney who strongly encouraged me to take a plea bargain. I took his advice and ended up on probation, eventually the charges got dismissed, but only after probation and paying fines and peeing in a cup every week for months on end and being basically stripped of all of my constitutional rights for a while (people on probation have to turn over all their electronics or let the police search their car or home without probable cause or a warrant) for a time. Eventually I was able to expunge the record at a further cost of about $3,000 of lawyers and court fees.

Eventually I did end up filing bankruptcy from the process, but the lawyer wasn't even the half of it by that time. Nobody wants to rent you an apartment on less than half the income you used to have and with pending charges, so you have to live in a motel or something, so the motel costs piled up, the cost of not starving piled up. The lawyer was very little of that. I was completely traumatized, but nobody wanted to hear it, because a court said some things about me that were not true. The worst person to protest your innocence to is a probation officer, because the way they see it, nobody who is innocent would end up in front of them, ever. If you continue to say you didn't do anything and that you're only in front of them because the alternative was posssibly going to jail, they kindly offer to send you back to court, where you still could go to jail.

Bankruptcy is horrific, but not as horrific as jail. So the OP is right from that perspective, but it isn't fun. People who have a public record as a bankrupt have the second hardest time trying to live vs. a convict. At least until it ages off.

I spent years living in well, substandard housing, until we finally moved to somewhere less substandard. And by that I mean that a Limited Liability Crimin...I mean Corporation, took over our last building and ran it into the ground with the plumbing backing up, mold, mildew, cockroaches, a leaking roof, overflowing dumpsters, broken out windows in some units. Toilets that broke down for 11 days sometimes and only got fixed when I called the city. I reported the guy to the city after we left and they opened investigations.

Sadly, the OP may sound comical but it's really not funny at all. One of the great ironies of citizenship is that if you go to renounce it, there's a warning on the US form that says you may be "deprived of the protection of any state". Well, in my case the state made up things that were not true, dragged my name through the mud, forced me to borrow six figures of money I would never be able to pay back, and almost become homeless, all to stay out of a prison that they claim to be trying to figure out how to keep people from going to. It's all very absurd when you consider it.

Re: Why Every American Man (and some women) should carry $100k available credit 24/7/365

Butch — Sat, 03 Jan 2026 11:41:12 GMT

Gee 100k doesn't grow on trees

Re: Why Every American Man (and some women) should carry $100k available credit 24/7/365

TrapLine — Sat, 03 Jan 2026 22:16:35 GMT

Certainly follow what you said as being anything other than humorus. The tangled web is ever a wonder.

Reality of $100,000 is not there however. As we read around ... suppose to set money aside for: retirement, medical, emergency savings, vehicle purchase, home ownership along with potential student loans. I ask, where is all the aforementioned going to come from?

Oh yeah, don't forget funding a youth's hockey program and extra activities (raising children) so on.

It is not there ...

Re: Why Every American Man (and some women) should carry $100k available credit 24/7/365

dfwxjer — Fri, 16 Jan 2026 22:07:15 GMT

@AndrewF wrote:
The difference between a public defender and a private attorney is usually just the size of the check you want to cut to a law firm.

Most lawyers that I know do public defender work if they're in criminal law, for the same reason that perfectly good doctors take Medicare and Medicaid even though they're government programs that don't pay as much. It's better to not have gaps in your schedule.

The State where I live pays private defense attorneys. There really is no "public defender system" in Illinois, it's just a random private practice attorney, and I know they're not all bad because my ex who beat me severely and hospitalized me got a public defender, and I thought what everyone else does. "Hahaha. Cooked!" But then after his 18 days in jail waiting to see the judge, the public defender was able to get the charges dropped and my scumbag ex-boyfriend who hurt me really bad is back to his usual life, without any sort of a record.

Compare that with me. I was falsely accused of a crime and hired a private defense attorney who strongly encouraged me to take a plea bargain. I took his advice and ended up on probation, eventually the charges got dismissed, but only after probation and paying fines and peeing in a cup every week for months on end and being basically stripped of all of my constitutional rights for a while (people on probation have to turn over all their electronics or let the police search their car or home without probable cause or a warrant) for a time. Eventually I was able to expunge the record at a further cost of about $3,000 of lawyers and court fees.

Eventually I did end up filing bankruptcy from the process, but the lawyer wasn't even the half of it by that time. Nobody wants to rent you an apartment on less than half the income you used to have and with pending charges, so you have to live in a motel or something, so the motel costs piled up, the cost of not starving piled up. The lawyer was very little of that. I was completely traumatized, but nobody wanted to hear it, because a court said some things about me that were not true. The worst person to protest your innocence to is a probation officer, because the way they see it, nobody who is innocent would end up in front of them, ever. If you continue to say you didn't do anything and that you're only in front of them because the alternative was posssibly going to jail, they kindly offer to send you back to court, where you still could go to jail.

Bankruptcy is horrific, but not as horrific as jail. So the OP is right from that perspective, but it isn't fun. People who have a public record as a bankrupt have the second hardest time trying to live vs. a convict. At least until it ages off.

I spent years living in well, substandard housing, until we finally moved to somewhere less substandard. And by that I mean that a Limited Liability Crimin...I mean Corporation, took over our last building and ran it into the ground with the plumbing backing up, mold, mildew, cockroaches, a leaking roof, overflowing dumpsters, broken out windows in some units. Toilets that broke down for 11 days sometimes and only got fixed when I called the city. I reported the guy to the city after we left and they opened investigations.

Sadly, the OP may sound comical but it's really not funny at all. One of the great ironies of citizenship is that if you go to renounce it, there's a warning on the US form that says you may be "deprived of the protection of any state". Well, in my case the state made up things that were not true, dragged my name through the mud, forced me to borrow six figures of money I would never be able to pay back, and almost become homeless, all to stay out of a prison that they claim to be trying to figure out how to keep people from going to. It's all very absurd when you consider it.

That's a lot to unpack and it's hard to take a 1 sided "nothing was my fault" rant from a ransom person on a forum at face value...

Needless to say, having $100k in available credit should never be considered a fallback plan. Like Tom_Thumb said above, cash/untraceable assets are king.