> keep in mind that the other side frequently has no intention/ability of paying. That is at minimum acting in bad faith and is usually against the law I see.

> keep in mind that the other side frequently has no intention/ability of paying. That is at minimum acting in bad faith and is usually against the law I see. My complaint is that a credit card company knowingly took advantage of a disabled man, and your answer is that he was the villain in the situation. The man sometimes couldn't tell what was real vs what he had imagined happened. He couldn't go too far from home alone because he would forget how to get back. He was a wonderful human being, a hilarious story teller, and happened to be disabled because of a health issue. But sure, let's blame him.