Why do people not realize that if they get stupid with their credit cards/lines of credit, it is NOT our responsibility to help you. We try to help you if possible, but you need to take some responsibility for your own money.
I recently called a guy who was carrying at 18,000 balance on a credit card at 19.5%. My bank will only consolidate if you have security (usually real estate or non registered investments). This guy was furious that we wouldn't help him out. I suggested, how about a mortgage refinance? He tells me he just did one nine months ago. I ask him why he dind't include the credit card. and i get "I did, it's just back up again"
Ok, dude, if you're spending 2000 dollars a month MORE than you're making it's not my job to help you out. You're just going to be in the same situation in another nine months.
I recently called a guy who was carrying at 18,000 balance on a credit card at 19.5%. My bank will only consolidate if you have security (usually real estate or non registered investments). This guy was furious that we wouldn't help him out. I suggested, how about a mortgage refinance? He tells me he just did one nine months ago. I ask him why he dind't include the credit card. and i get "I did, it's just back up again"



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