Exactly. Justice is hardly found in making it impossible for someone to pick themselves back up. It also seems odd to sue someone who may be behind on payments,

Exactly. Justice is hardly found in making it impossible for someone to pick themselves back up. It also seems odd to sue someone who may be behind on payments, but hasn't resorted to bankruptcy court to completely eliminate those debts (save college loans, which is a whole other thing). It's hardly surprising that people who have never been down on their luck are the first to turn a blind eye or scolding glance towards a fellow human who has fallen from grace. I'm not advocating for people not being responsible for their debts, but I am advocating for a caring society that helps people back up, not one that puts a boot on their throat. Also, just a personal grievance, is any bank garnishing wages from a tax payer that took tax payer money during the bail-out.