I don't think there's anything wrong with a good debate BUT some people who use the forum, not everyone posts, are very new to all this turmoil and are very confused and easily swayed....we see it all the time when they start getting letters which make them panic.
Another point to add is, although most of us won't ever be in a position to pay all of our debt back, we do want to do the responsible thing. Some of the posts lately that have been removed insinuated that it was better to scr*w the creditors, that it was their own fault and they were only getting what they deserved...not very responsible!
I think that's what makes this forum work so well, we have faced upto our debt and are dealing with it in the best way, sometimes the only way, we can.
xx
It's nice to be back......