Part of getting a home loan modification a few years back meant agreeing to do a "credit counseling" session over the phone.
Fine. I'm sure there were people going through the process because they'd spent all of their money on horse races and prostitutes, but considering that I didn't even carry a credit card balance at the time (still don't), don't have cable TV or an iPhone or an iAnything and pretty much subsist on rice, beans, and occasional one-day "vacation getaways" to Brighton beach for $2.50 on my Metrocard, it seems like in my case they could have put their staff resources to better use.
Pretty much the only place in my budget that seemed to raise a red flag was the fact that I -- gasp! -- have pets.
I'm not sure. Maybe the woman on the phone was supposed to suggest that I tie them up in a bag and throw them in the East River?
At some point I just said, "Uh huh" a lot and stopped listening, only bothering to throw in little insincere chuckle and a "They're a lot cheaper than having kids!" to which the woman agreed and actually laughed.
Um, yeah, but seriously.
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