Why are so many people paying their credit card bills but they are not paying their mortgage?

There are several reasons why someone might choose to use the strategy of paying everything but their mortgage if they found themselves financially strapped. No matter what, they are faced with having their credit score damaged by late payments or defaults. The mortgage is a "secured" debt in that an asset (house, boat, plane, etc) is collateral against this loan.

Even if they get very far behind in payments, they have the chance to "make-up" the past due amount by selling the asset. If the asset happens to be their home, there is a very good chance in today's economy that they owe 20% more than what their house is worth. In this case, they know they can never recover the funds.

Next best strategy...live "rent-free" as long as possible and use the surplus monthly cash flow to pay down credit card debt. (Though I am outlining this as a strategy, I am not promoting it. Only saying it is one reason why mortgage payments are not made and credit card payments are.) Also, in many cases a home-owner can "walk away" from their home turning the keys over to the debt holder prior to a foreclosure and this will be recorded on their credit as a "deed in lieu of foreclosure" rather than an actual foreclosure.

It may not impact their credit score as badly.

I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.