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But here’s the good news: not everyone will follow this advice.

But if you are struggling and your kids need food and your marriage is at stake and you lost your job, then simply stop paying your credit card debt and follow the process I describe above.

While consumers typically have coverage from their credit cards for accidents, they often do not benefit from the full coverage Nitzsche got.

All of this is to say: your character creates your future.

Louis last year, Thomas Nitzsche discovered his parked rental car had been hit by another car, causing 1 in damage.

They want to sell you things regardless of credit score.

You signed a contract where everyone knew the risks.

In the end, though, the accident cost him nothing out of pocket.

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In one case I had to promise to pay an extra months rent as security.

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