| Meet Jake (left) and Steven (right), both men have a mortgage on their own house and want a new car. Steve pays his mortgage payments on time, Jake doesn't. |
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 | Oh dang it I forgot to pay them again | |
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| So Jake how are the payments going? | |
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| Jake is talking to a member of the FTC because his credit score is dropping.. |
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| man if I keep missing payments its going to hurt my credit score | |
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| You have closed end credit Jake if you don't make your mortgage payment you will be bankrupt!! | |
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| Steve has a good credit score and is able to buy a ferrari while Jake is bankrupt because he kept missing his payments. |
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| I wish I could have a new car, maybe i should stop being such a borrower. | |
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| Life is so good, I love my ferrari | |
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