Martin Henderson is in a fix these days. Because of his failure to repay a loan he had taken a few years back, he has been adjudged as a bad credit case. And, in spite of much effort, he has not been able to get a loan or a mortgage. Lenders do not want to take risk by offering loans to him, and he is severely in need of money.
This is not a single case. There are many who are facing bad credit and the problems resulting from it is making their lives difficult.
Failure to pay the debts in most cases is unintentional. Most people are mainly concerned with the immediate relief that the loan or credit will offer. They do not want to mar the immediate relief by thinking of the repayment in future. They feel that their present income is enough to meet these extra expenditures. It surely is sufficient to meet the cost of repayments, until the financial condition changes for worse, and it becomes difficult to make the repayments on time.
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