I feel bad for the people in this movie but they themselves created their situation. A lot of us act on what we want rather than on what we need. I was a single mom for over 23 years and I never got a credit card. I must confess it was hard at times but, at the end of the day, I could sleep knowing I didn't owe money to anyone. I am now retired and have 2 credit cards, which I use for emergencies only. We think credit cards will make our lives easier: it is a nightmare instead. If you are not responsible with money or don't realize you will have to pay the credit card companies back, then stay away from them or get a low credit limit. My 2 credit cards have a limit of $1,000 each.

Total garbage. The film has an amazing chance to teach people the dangers of credit, the risks of being in debt, and how to live a better life, take control of your finances, and advocate responsibility to manage your money. Instead the documentary is a pathetic non-stop drivel of excuses why people are borrowing themselves into oblivion, and then start blaming everyone on the planet except themselves, for their problems. No no, it's not people being completely incompetent and irresponsible... no no it's the banks fault. It's government's fault. It's credit cards fault. It's lobbyist in Washington's fault. The film quickly degrades into a the mental equivalent of a 5-year-old throwing a temper tantrum, because he broke his own toy, and mommy and daddy are not getting him another. Later on in the film, it promotes some obvious half-truths, and even a few fabrications, which make this one of the worst piles of digital garbage I've seen yet.

I think does a good job of addressing the spectrum of factors, from the business end of things, to personal responsibility. Very honest and informative. You can see that when something tells you what people should already know, but the reality is that we live in a culture where debt is marketed to us.

This film kind of exposes some of the unspoken horrors of credit card and debt industry. I think at the end of the day it's all up to the people to make a difference. If everyone would simply use website likes the official credit card database (http://ccdb.com) to do their homework, they would make right choice about which credit card to use and end up in much less debt.

My career background is in social services and addiction counseling and over the years I've watched the rise of desperate clients with deepening credit card debts and it is TRULY profound. Too many people forget the fact that compulsive/addictive spending habits are just as much of a serious issue as drug, alcohol and gambling addictions. I could write some serious books on this issue, and I won't start one here...but I DO caution anyone who is quick to dismiss the troubles of people with debt issues as a bunch of irresponsible whiners needs to do some deeper research into these issues. And, no, it's NOT just about compulsive spenders who want a 5th television set and every Apple product known to man -- can anyone relate to what it's like when your life falls apart like a house of cards -- and NOT because you've bought the new LCD tv you can't afford?? It's extremely myopic to lump people with excessive debts into the same category of being stupid and immature. Think of what it would be like if you have a low/medium wage paying job (with OR without a college degree) where you're already living paycheck-to-paycheck with very little savings in your bank. And then you lose your job due to a severe illness (particularly mental illness). Your life begins to unravel and your debts pile up because you had barely any savings to begin with BEFORE you lost your job, and now you begin to consider using your credit cards for food, med bills, your kids' school tuition and more and more cash advances and basic needs you have to keep up with your avalanche of bills. You have no relatives who can afford to give you a loan...no spouse who can bear the brunt with you. And to top it all off, you're struggling with crippling depressions and anxieties that don't exactly help you think as clearly and confidently as you need to. I'm not making up sappy sob stories here -- I've just described a significant number of clients (across of several diverse demographics) I've seen who have been/still are close to committing suicide because they feel like they're at the end of their self-worth and hope. Living in this type of society, it's very easy to stand back and judge people and put them down for not seeming to keep up with the rest of the pack, but it's important to remember that we're not all raised with the same sense of managing money, emotions and rollercoaster crises in our lives.And, true enough, debt falls across different classes and all races...but, make no mistake, there is most certainly a very, very deep divide along the lines of class and race in this country. STILL, in this so-called "post-racial" era we're supposedly living in. DEEP dividing lines. A poster mentioned that rent-to-own stores are "located where they are because...that's their consumer base??" Seriously?? I've lived in/been exposed to major metropolitan areas for all 44 years of my life on this earth -- including the south, north and west sides of Chicago, Manhattan, Brooklyn, the Bronx, Queens, San Francisco, New Orleans, Dallas, Houston and Los Angeles. While I've definitely seen numerous communities with large and small concentrations of poor whites, no one can tell me that the highest percentage of PayDay loan spots and Rent-to-Own stores aren't located in poor neighborhoods with predominantly Black and Latino residents. Seriously....if you believe that we're living in a time where everyone is equal, there are no longer such things as institutionalized racism/housing discrimination/predatory lending, etc. and everyone is socialized to know how to manage their money with equal levels of common sense (and don't forget what Voltaire said about that)? I have a big bridge to sell you in NYC.

‎" In debt we trust " is the most irresponsible documentary film i have ever seen in my life. Why do those people blame their debts caused by credit card? Why do they blame their failures on other people? I have two thumps down for the movie. Worst documentary film ever.