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I was a little kid but I felt scared and didn't know why. My dad was too trusting and too sad and died from the cocktail of both. All of this is to say: your character creates your future.

It's "I will do X, and if I don't satisfy my responsibility, you can do Y". And this is how banks make money: the difference between that 20% (give or take) and 0%. There's about a trillion dollars in credit card debt out there. They have 100 Ph Ds who have already modeled out how many people will default. Why would a hedge fund buy your debt once you start to default? They outsource to either collection agencies or law firms in your local area to collect from you. In 1994, collection agencies would call me and I would get scared.

Now the banks have to do their end of the contract. (but I'll get to that in a second...) By the way, the banks don't even care. They buy your debt for three cents on the dollar and they might, on average, collect eight cents on the dollar.

Again, I know this because I know the hedge funds that are the ultimate beneficiaries (not the banks, or the credit card companies).

They'll take it because it's like free money for them. They are pretty happy to collect on anything so they will probably say yes.

Before you ask no I haven't got anyone's credit card details.

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