>>People don't wake up one day and find their wages garnished. Guess what? I woke up one day and found my wages garnished. Back in the day, when my kids were

>>People don't wake up one day and find their wages garnished. Guess what? I woke up one day and found my wages garnished. Back in the day, when my kids were little, I broke up with my wife. I kept the kids. She did not. Due to a mix-up at child support, since I was the dad, they thought I was the one who left. So they started running up a bill. First I ever heard of it was when my boss told me to report to HR -- which threatened to fire me. I was behind in child support by over four thousand dollars. Took over 3 years to get the state government to pay me back. Hell, I was a deadbeat dad! (And people wonder why I'm a libertarian) But to your point, it takes two to tango, a creditor and a lender. The creditor is supposed to be the one taking the risk. That's why they charge you for borrowing money. It's not supposed to be a sure shot. Today in the states, however, the Republican-controlled Congress back in 04 passed something called euphemistically The Personal Responsibility Act or some other such horseshit and the credit card companies can chase you to the ends of the earth. Just like child support did with me. Look, I have no problem with people paying what they owe, as long as they can pay it, of course. But with this many people getting wages garnished, and the collections agencies getting more and more draconian? The social balance is off. We're making it so if you run a credit agency and lend out money, you're guaranteed something back. Aside from who's responsible for what, that's not the way we want the economy to work.