You forgot to add >>> "...unless it's a large unsecured debt on a Capital One credit card. Then load up on it. Free money, peeps." :-) That's ass-ooming Capital One won't be able to address the situation in a court of law...i.e....come after you to collect. And of course they will be too broke to even try.

http://bigcharts.marketwatch.com/advchart/frames/frames.asp?show=&insttype=Stock&symb=cof&x=60&y=22&time=13&startdate=1%2F4%2F1999&enddate=2%2F18%2F2017&freq=1&compidx=aaaaa%3A0&comptemptext=&comp=none&ma=0&maval=9&uf=0&lf=1024&lf2=2&lf3=8&type=2&style=320&size=4&timeFrameToggle=false&compareToToggle=false&indicatorsToggle=false&chartStyleToggle=false&state=11