How come 90% of the questions on here are about bad credit, etc?

It seems 90% of the questions on here deal with people trying to buy a house they can't afford, get interest and penalties removed from missed payments, and how to wipe out credit card debt.



Does anyone else notice this?!?How come 90% of the questions on here are about bad credit, etc?
Well, generally good credit isn't something you need help resolving. There are some questions about establishing credit for the first time and how to handle credit cards, but, in general those are questions that are very easy to answer for yourself with a brief internet search.

The more complicated questions like how to get a credit card company to quit harassing you, whether debt consolidation really works and whether they can afford housing are often, sadly enough, more honestly answered by regular people. If I asked a realtor how much of a house I could afford, they would have approved me for double the price of the house I bought. A house, by the way, that I'm in the process of losing due to loss of my job and a years worth of monthly shortfalls. Many people who are having monetary/credit issues cannot afford the professional advice they really need.

I had started calling around for a bankruptcy attorney and was getting quoted $1200 + for a very basic chapter 7. I couldn't afford it, so it looked like I was just going to get harassed and sued forever on top of being miserably unemployed. I was on my local craigslist looking for a decent local attorney that would do a payment plan when someone sent me to a forum about bankruptcy. I ended up filing my bankruptcy successfully by myself.

I never had to ask a question about credit when I was employed. I knew not to carry a balance, I bought half the price of home I was approved for, I didn't finance my car. I didn't need to ask questions about credit until the ';you know what'; hit the fan. Many of my friends and acquaintances are also laid off and have been for months. No matter how well you've saved, you do hit the end of your savings and then you need to find out how to deal with negative credit issues. Of course, by then, you can't afford professional help.How come 90% of the questions on here are about bad credit, etc?
Uh, some people are looking for help and advice?
If you don't like it then go into the food category!!