Some of my friends ask me this question: “Bill, how can you sleep at night, representing all those…well….you know,  people in debt….deadbeats…. really – helping them to avoid their moral obligations?”

….But not my close friends.

My answer usually goes something like this:

“I won’t lie to you. I’ve represented a deadbeat or two in my time, but I’ve been cutting way back lately. Some day I’ll quit for good”

Truth be told: Most of my clients want to pay off their legitimate debts on a reasonable repayment plan – one that suits the reality of their current circumstance – but were prevented from doing so by the absurd rigidity of the debt collectors who refuse to deal with them, demanding 24 gazillion dollars  in a lump sum by Friday – or some such ridiculous number which, with late fees and over limit fees attaching well beyond the date the consumer actually called it quits on the credit card, bears little resemblance to the amount actually owed.

Oh sure, sure”" my  friends say – but not my close ones, ” so these welchers whine and moan about paying their debts, while they flip channels on the two HDTV’s in each room they charged up, and laze around all day on the $10,000 tempurpedic mattress purchased on plastic that conforms to their fat butts, so they can sleep without shame.”

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