[randomf1fan]

To be fair to the author, he does say this

"I don’t ask for or expect any sympathy. I am responsible for my quagmire—no one else. I didn’t get gulled into overextending myself by unscrupulous credit merchants. Basically, I screwed up, royally. I lived beyond my means, primarily because my means kept dwindling."

[fjdlwlv]

He still makes the false excuse that his problem is earning, not spending.