Reply #29: well, you kinda need a car

[qazplm]

in many places to go to look for a job or go to it if you get one.

its not as easy as people think, i am lucky enough to be employed (unlucky enough to be in iraq) and i only have about 5K in credit card debt left, of which all will be paid off when i get back to the states, but there are a bunch of reasons why someone can rack up 5-10K in CC debt pretty easily or more if they get laid off and cant find new work.

Some of it is their fault for not living more frugally or planning ahead agreed but its not really a black/white thing for most.