Paper Or Plastic?

Smeared my name, ruined my credit and summoned me to court. No understanding, no one to listen and no one gave support. Irresponsible and ignorant, I created my own hell. Take what little I have to give, or take my soul to sell. Garnish my wages, put a lien against my home. What's one more thing? Nothing is set in stone. My life is miserable, partly from stupidity, partly hardship. Just like everyone else who sails upon this ship. Take it all! What else do I have to loose? Sucuumbed to con artist. I have been seduced. The reaper of debt, is causing me great strife. I work my self to death, just trying to make a life. Common sense, apparently; I did not have any. So....your turn.....paper or plastic; what will it be?