That's really a good question. I am not sure I can give you a completely correct answer but going to the credit scoring models that are in place. Those tend to be proprietary even though we are now entitled to obtain our credit scores by federal law, we still don't know completely what goes together to make those credit scores. And then consumers have to realize that generally speaking in today's economy when they apply for loans, creditors generally just look at the credit score. Now they allege that they do other things and maybe they do it at certain situations but our credit score really determines what we are going to be able to obtain in the lending market place. So, which debts are better to pay late than others I don't fully know the answer to that. I can say this, however. Foreclosures and repossessions are some of the worst things that a consumer can have on their credit reports. I've heard experts say that even bankruptcy can be better than a foreclosure or repossession. Because if a creditor sees foreclosure or repossession, then the creditor may think well the consumer even though asked to return the collateral failed to do so and they may imagine lots of things. So I would definitely pay those debts for secured collateral or those debts which could result in repossession or foreclosure first.
