Quote:
Originally posted by AaronM
You would have somebody put a 10 year scar on their credit record over this? Are you a fucking retard or something?
Unless Mandy has $50,000+ worth of debt that she can not repay then that would be a huge mistake at this point in her life. 
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It isn?t much of a scar anymore. You can buy a house, car or anything else. A typical bankrupt gets 20-30 pre-approved credit card offers two months after filing. These are unsecured and often at a lower interest rate than the cards they filed on. 20 years ago it was a scar nowadays it isn?t. I am not saying she should or should not do it. I don?t know her situation, but it certainly is an option for her and one that will get her out of the contract.