More than a few years ago I was very bad at managing my debt while I tried to hold my family together. My wife sued me for divorce, a couple of creditors took me to small claims and I had a couple of garnishments on my paychecks. I was in a bad way but I took on an evening job and worked 7 days a week for years. Got so that I really hated those collection agency guys. And the CRA. I repaid all that I owed and started over with nothing.
After I was out of debt I went to my bank and asked for a small loan to get back on my feet. My request was denied with the words "We won't even open a chequing account for you. You would have been better off to have filed for bankruptcy protection."
I responded with "You'd rather do business with a deadbeat than an honest man who honored his debts?"
"They are not deadbeats. They are people who have fallen on hard times." WTF
Anyway, I have moved on, own my house, live debt free in retirement and all is good.
Free
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