Clark and Christa returned today from Milwaukee, the first stop on Clark’s 2007 book tour. While there, he met a young man who was considering filing for bankruptcy. He had gotten a bunch of credit cards in college and had racked up $3,000 in debt. Clark was floored. There is no reason that the man should file for bankruptcy. But the collectors had gotten it into his head that he had no other choice. There are several problems with this picture. First of all, credit cards are way too available on colleges today. Students should get a few credit cards in college. It’s a good way to start establishing good credit. But they have to watch their spending. Secondly, collectors behave like creeps and should be held liable for their actions. If you get a call, record it and tell the collector that they are being recorded. Lastly, bankruptcy is mentioned way too often and easily these days. It should be the very last option anyone chooses, not an avenue for financial planning.