kaibigan39 wrote:


Well your still young. So you think you know what life is like. It sounds like you havent been slapped into reality by life yet. "The wake up call" I like to call it. So let me help you to understand how it works. Purely hypothetical but happens all too often...

First you get into an accident. Could be just a simple fall down the stairs or a car accident. But you end up with huge hospital bills that isnt even the realm of you being able to pay on your own. Even with great insurance your still stuck.

First you try hard to pay them off. But new bills from the same accident keep coming in. Weeks and months later they just keep coming. And no insurance covers every single hospital, treatment, or doctor. Even the ones they do cover its only a percentage leaving you with the rest.

So for several months you have nothing. Your barely able to put food in your stomach because your throwing every single extra penny at the bills as they just keep piling up and up. Now if your lucky (or unlucky) you can file for bankruptcy. But that is not certain.

Eventually the hospital turns your rump over to a collection agency. Eventhough you have been sending every penny you can spare they still do it. So now you got a whole new barrel of fish. And again bills just keep coming in. You keep getting thrown over to more and different collection agencies.

Pretty soon your wages are being garnished. So now you have to work even longer with second and third jobs. If your lucky you live in a state where they cant just fire you. But they probably can and will. Because your employers dont want the hassle of wage garnishment. So now you get to look for a new job. This is when you find out that the collection agencies have messed with your credit rating and the best you can do is flipping burgars at a McDs or washing cars. Even if you have a good degree.

Eventually your rent payment is missed because of all this and your thrown to the curb. This is also when you find out that this credit rating crap keeps you from getting even a semi decent place.

Now your sleeping at a local jesus house and bathing in communal showers.... Standing on street corners holding cardboard signs. All because of one accident that may not have even been your fault....

Now tell me that shit wont mess with you mentally!!!!