yes I understand the working for no money thing, Paul has many clients that are in distress and he does take their calls and spends his time and they don't pay

The sad thing is once it is known that he represents someone and that someone gets sued he is contacted and "must" take the call until he relieves himself from representing that client. My DH is too nice a guy, he spends alot of time on the phone with calls like this and gets nothing in the end for it
I think you and I are thinking about this and our future because we are the responsible ones that pay their debts and mortgages and don't have BKs and foreclosures. We would sell what we have before having a BK. It just isn't the way I think about credit. Heaven forbid something happened to one of us that caused us to go into debt for a medical reason or an unforseen natural disaster for that I could see a BK, but not based on over spending or over buying. For that situtation one needs to pull up their boot straps and work off the bills.
I wonder if there will be a day that I don't worry about the future. I know when my dad died at 78 he was still worried if he had enough saved for the care of my mother. He did and he does. I wish that burden had been removed for him. It's the fear of the unknown I guess