Years later, punished by bankruptcy.") She comes across as a thoughtful, intelligent person with whom I would enjoy sharing some coffee.

Ms. Sirovy writes matter-of-factly about her poor money management skills and fesses up to making bad decisions:

Yeah, I defaulted on loans to the credit card companies, and yeah, I'm probably exactly the sort of person who shouldn't even have one of those magic pieces of plastic. It's too easy for me to forget the pain that's coming in a month or two, and spend money on things I do not absolutely need.

These decisions resulted in her bankruptcy. Now, the six year old bankruptcy has kept her from getting a bank loan to refinance her house. One might think she would recognize that this is just one more negative consequence of her poor use of credit in the past, yet something she can and will overcome on her road back to financial responsibility. But no, that is not her conclusion.

She quotes her friend who said, that for years "the banks loaned to anyone who could sign a paper . . . and now we're getting punished for their bad decisions!" Ms. Sirovy agrees: "that seems right. We're all getting punished for the banks' bad decisions."

No, Ms. Sirovy, you are getting punished for your own.

Before blaming others, look inward.

Eva Sirovy wrote a poignant and personal essay in today’s Denver Post about her bankruptcy six years ago and its efffect on her life still today. (See “Years later, punished by bankruptcy.”) She comes across as a thoughtful, intelligent person with whom I would enjoy sharing some coffee.
Ms. Sirovy writes matter-of-factly about her poor money management skills and fesses up to making bad decisions:

Yeah, I defaulted on loans to the credit card companies, and yeah, I’m probably exactly the sort of person who shouldn’t even have one of those magic pieces of plastic. It’s too easy for me to forget the pain that’s coming in a month or two, and spend money on things I do not absolutely need.

These decisions resulted in her bankruptcy. Now, the six year old bankruptcy has kept her from getting a bank loan to refinance her house. One might think she would recognize that this is just one more negative consequence of her poor use of credit in the past, yet something she can and will overcome on her road back to financial responsibility. But no, that is not her conclusion.
She quotes her friend who said, that for years “the banks loaned to anyone who could sign a paper . . . and now we’re getting punished for their bad decisions!” Ms. Sirovy agrees: “that seems right. We’re all getting punished for the banks’ bad decisions.”
No, Ms. Sirovy, you are getting punished for your own.
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