I think we're pretty much on the same page though, the civil courts are not functioning correctly in this regard, but to me that doesn't mean the credit industr

I think we're pretty much on the same page though, the civil courts are not functioning correctly in this regard, but to me that doesn't mean the credit industry is the be-all end-all solution to the problem. We really should be improving our judicial system rather than letting private industry determine what we as a society should consider when someone wants to take out a loan.