Debt With Dignity

In all sorts of corners of life we now assume thatActually, what I've seen more of are foreclosed
it is wrong to not treat others well. For example,homes with everything left behind, including
in the U.S. we no longer have separate entranceswedding pictures and the belongs of evicted
based on the color of your skin. Buildings makepeople left by the side of the road for passerby's
allowances for physical limitations and a recentto pick through. Ashamed people flee.
news story said that more people haveDebtors deserve dignity. I'm not saying that we
developed a tolerance for the religion of others.need to give anyone a free ride in life. I'm just
But we could make some advances in learning tosaying that people in debt are wounded and
treat people in debt, with dignity. I'd have to saydeserve to be treated as you would anyone in a
that currently, society treats debtors as losersdifficult time or in a fragile moment.
and if debtors were on a ledge getting ready toBeing in debt is a mathematical position with
leap, a crowd below would be yelling "Jump!"emotional manifestations. Being unable to pay your
The majority of people without financial problemsbills is not a casual reality for most debtors. People
love a little debtor voyeurism and to witness thein debt want to pay their bills, they do, but they
financial misery of others. It's like watching thecan't see a way or they are not emotionally
train wreck through cracks in your fingers as youready to make those hard lifestyle changes to
hold your hand over your eyes. You don't wantmeet their new obligations.
to watch but you do.Being unready or unprepared to make changes to
Imagine if suicide was like debt and when youget the numbers to line up does not make you a
were contemplating killing yourself your creditorsbad person. It just makes you someone that for
kept calling you and say things like "you are asome reason is unwilling to make some difficult
loser" or "just do it and good riddance"? That'schoices right then.
some pretty cruel mojo isn't it? Maybe we shouldBeing in debt is about managing depression,
call the overweight kid that is depressed and yell,despair and loneliness. I'm not saying that all
"fatty, fatty" into the phone. But I doubt thatdebtors feel that way, but most do. Being in debt
would be kind or beneficial at all.is about a loss of self-esteem and self-confidence.
So why is it when people are in financial troubleIt's about being unable to make a plan, stick to it
that we can't wrap our arms around them andand make it happen.
treat them with care, compassion and respect.The emotional pain of being in debt robs ourselves
We should. We all should.of our own dignity and the rest of society does
If you've never been deep in debt and afraid,almost nothing to help cradle the debtor with love
unable to sleep, on the verge of an anxietyand compassion to soften the blow and easy the
attack, and depressed, it might be hard for youjourney.
to imagine what life is like during those dark daysDebtor's are losers. Debtor's are rejects. Debtor's
of debt. While some might put on a mask, mostare liars. Debtor's a failures. And all of those
people are ashamed, unhappy and afraid inside.statements are uttered every day by people and
Being in debt is the modern day leprosy. Whennone of them are true. Instead they are like the
you can't spend money like you used to peopleschool yard shouts of the insensitive bully that
don't seem to be around as much, your lifeleaves scars for life on fragile minds.
changes in a way that you perceive to be for theDebtors do have a duty to find a solution to
worse and when you've got to move becausemake the pain and misery they are living through,
you can't afford the rent it's like being hustled offchange. But that can be like asking someone with
to the leper colony. You're now isolated for all thea bad back to run a marathon. It can happen but
wrong reasons.with a little help and support.
I can't think of any time that I've ever seenBeing in debt is a thing but being a debtor is
someone post a sign in their front yard that says,personal and debtors deserve to be treated with
"Hi Y'all we're so broke we can't afford to livedignity and compassion while they are helped
here anymore and we are getting kicked out."towards a solution.