Personal Responsibility - Where Does It Begin?

So Mr. X has 8 - 10 credit cards along with his mortgage, his car payment, electricity, insurance, cell phone, etc...needless to say Mr. X has a LOT of bills.

So Mr. X suddenly receives a call from one of his credit card companies stating that they have not received a payment for 4 months. Mr. X proceeds to tell his credit card company that he has not received a bill from them but he recently moved so he would like to verify his address.

The credit card company has the wrong address for Mr. X so that is why he has not received his bills. Mr. X tell his credit card company that they should refund all charges and reinstate his 0% interest rate.

I tell Mr. X that it is his responsibility to pay his bill every month whether he receives a bill or not. If his bill never came for his car, he would still pay that or his car would be repossessed. If he never got his mortgage payment bill in the mail, he would still pay that or he would get evicted. If he never received his insurance bill, he would still pay that or he would have no coverage. So how is it any different for his credit card I ask? I tell him that he knows he had these credit cards and it is his responsbility to pay them every month.

He responds that he has too many credit cards and it is the credit card companies responsibility to send him a bill every month to remind him to pay because he cant keep up with all of his credit card bills.

I just laugh and sit in amazement, because Mr. X is actually serious! He truly believes that!

Is this what we have come to as a society. That we actually use the excuse that we have too much debt to keep up with so it is no longer our responsbility to pay it on time???

I think that is a sad statement about how some people in our society think!

And yes for those of you wondering...this was a REAL conversation!