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[quote=Anonymous]I listen to Dave when I can, it's not often I'm in my car at 2:00 though.  I find some of his advice to be useful, and it's kind of reassuring to hear of other stories of folks that are worse off then me (debt-wise).

Two related pieces of advice though stand out to me.  In the past couple of weeks and once today, he's given some advice that I just don't know if I can agree with.

One was whether or not to repay a pay-day lender and the other was the same, but to a debt collector.  Dave went on a rant about how they're "morons and scum", but said nothing of the caller who got themselves into that situation.  We've all been desperate, so maybe that's why he let them off the hook, but in the case of a debt collector, come on, they're within their rights to collect the debt that YOU OWE.

We can probably agree that debt collectors and people that buy property liens SUCK, and many are truly bad actors.   I've been a "victim" of both, but letting the borrower off the hook really doesn't solve things either in my opinion.

Oh and "Better than I deserve" gets so annoying.[/quote]

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