Reply #44: Your lack of empathy is noted. [View All]

[Curmudgeoness]

Since this is the first time she had a problem making the payment, it is apparent that at the time she got this loan, there was no problem affording it. And since there is only $2,000 balance on the loan, she is at the very end of those "years to repay", so she could afford those payments. And this woman had the decency to call the bank immediately to work with them instead of hiding out or ignoring the responsibility. Some times, life gets in the way for every one of us and we are set back for a short period of time.

We should not be crucified for this. When I think of the number of people who pay late every month, or file bankruptcy to get out of paying debts for things that they did buy, or the ones who will take credit to the max and then negotiate 50 cents on the dollar to pay it back, I cannot imagine anyone getting their panties in a wad over a one-time request for an extension of time.