By definition she is a deadbeat
They called me a criminal.
Not paying for goods and services rendered is criminal it's called "stealing."
I had perfect, spotless credit before this happened."
Irrelevant
Angela's roughly $40,000 in overdue debt stems from a small business. She opened a children's boutique in 1998.
Likewise irrelevant. She should have done more market research up front
One debt collector accused her of running up her credit card balances with no intention of paying.
Very frequently true
One collector told her to sell her house. Another threatened her home.
They can't force her to do this in any state that I know of.
One debt collector scolded her for taking her children to Chuck E. Cheese for pizza. Another collector told Angela, who is expecting another child, that she had no business being pregnant.
She shouldn't be spending money on restaurants, and she shouldn't download another offspring if she can't afford it. I wonder who is going to end up paying her doctor bills. Lemme see. The hospitals are forced by law to provide care for anyone who wanders in. Many can't or won't pay. Health care costs money. conclusion - higher costs for those of us who can pay and carry the freeloading bums in the system.
Only if they purchased the goods and services with no intent to pay. If they made any payments it is strictly a civil matter not criminal. Even if they did not make payments it would be almost impossible to prove their "intent" unless they lied on the loan application.