To be fair to the author, he does say this "I don’t ask for or expect any sympathy. I am responsible for my quagmire—no one else. I didn’t get gulled into over

To be fair to the author, he does say this "I don’t ask for or expect any sympathy. I am responsible for my quagmire—no one else. I didn’t get gulled into overextending myself by unscrupulous credit merchants. Basically, I screwed up, royally. I lived beyond my means, primarily because my means kept dwindling."