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Wolman touches on energy as a unit of currency, and whizzes through virtual currencies like World of Warcraft gold, Facebook credits and Bitcoin, suggesting conversion software could let people pay on the fly using whatever they have to hand.
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In other words, if a company promises to make your debt go bye-bye without even knowing whether or not you qualify for debt forgiveness, more likely than not it is a scam.
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I was married with one child, going to college, and working 40 hours/wk comprised mostly of lugging 200 pound tanks up and down peoples basement steps.
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As someone said, nobody is creating money out of thin air - your understanding of the fiat system is flawed.
Similarly, a particular consumer may obtain a covered loan with payments that exceed the consumer's ability to repay at the time of consummation, but factors such as a lender's use of a leveraged payment mechanism, taking of vehicle security, and collection tactics, as well as the consumer's ability to access informal credit from friends or relatives, might result in repayment of the loan without indicia of harm that are visible through observations of loan performance and reborrowing.
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