Thanks so much for responding and sharing your story! "We have a sort of moral attitude about debt," is spot on! So much so, I was a tentative sharing my experi

Thanks so much for responding and sharing your story! "We have a sort of moral attitude about debt," is spot on! So much so, I was a tentative sharing my experience, afraid I'd get blasted for missing the payments in the first place by people who've never had to deal with the system before. It really was an eye-opening experience for me, and a window into what tens of thousands of people deal with every year. I forgot to mention I was broke because of my own self-financed startup as well, which didn't work out. (It turns out, I'm a horrible business person. Happily, I was able to sell the assets of the company to a BigCo for a small amount and pay off my debts.) Lessons for future entrepreneurs in debt: You can ignore the daily credit card robo-calls, make arrangements with your landlord and the electric company, but they'll come for your car faster than you think. (They grabbed mine the day after Christmas).