Policies

1. We do not provide legal advice, and nothing on this site should be construed as legal advice. We are not all even lawyers. Those of us who are lawyers can get in trouble for giving advice outside the states where we are licensed. Being in debt can be very stressful, and we understand the desire to reach out for help. Please do not contact us for advice because we cannot help you.

2. There are four "regular" and ten "occasional" bloggers. Everyone is only responsible for what they post. We often disagree among ourselves. When we are together, we often cannot even agree on where to go for dinner. Just because one of us posted something on this web site does not mean the others agree. All of that is also true for our guest bloggers--they are no more responsible for our views than we are for their views (although we will let our guest bloggers pick where to go for dinner).

3. We will not substantively edit our posts except for grammatical, stylistic, or spelling errrors (and sometimes not even then). If we later add something to a post, we will make it clear by prefacing the addition with the word "Update" or something similar.

4. Comments are open. Individual blog authors may decide not to allow comments for all or some of their posts. Readers are welcome to post their comments, and we welcome open debate. We will remove comments that we find inappropriate such as comments that are profane or vulgar, commercial marketing, ad hominem attacks, or nothing but inflammatory rhetoric. We get very few such comments.

5. We encourage readers to share our blog with others and to use Credit Slips postings in news pieces or academic writing. If possible, we would appreciate your linking to the blog when you reproduce our content and acknowledging the name of the individual author of the posting.

6. We do not accept unsolicited content.