Even thou they are not lending money banks are still soliciting. In the mail the other day was another form letter from the bank begging people to move their loans to them at a lower interest rate for six months. However, here is how they actually said it "The more you owe, the more you save". Is that bank logic? I know what they meant, but it has a double meaning. And that's the mentality that got us into this economic mess in the first place?
Instead how about this, we just pay off what we owe and stay out of debt, shouldn't that be the goal?