SD..
I believe that S-R is a therapist dealing with counseling people with major stress in their lives. I don’t think they are asking about their personal situation, but possibly for patients.

Anything can happen, but I don’t think that most employers will run a credit check OR if they do, let someone go due to FC.

It’s not a felony or even a misdemeanor, it’s not even a crime.

Businesses walk away from bad deals all the time. It shouldn’t be a shame when an individual does the same thing.
For people who see the light, I commend them.

For an employer, it could be looked at as a wise decision (which is good)rather than an emotional one (which is bad).

Some people CAN afford a house, just not one that has a loan that is 8x their gross income.