i go in to maxed out ignorantly expect an interesting documentary on the foible of credit and instead be dupe into watch another left lean screed against just about all the wrong people . it doesn not take an idiot to realize the major problem with debt and credit card in america fall mostly on the people themselves who run it up . the people who decide they need a hummer to drive the mile and a half to the grocery store for milk instead of a more economical car . the people who decide a 52 plasma screen just isn not big enough . or maybe that just one 52 plasma isn not enough . sure there be example of people who be down on their luck and fall on hard and unexpected time or be scammed by lender into deal they can not afford . i be not say those people aren not out there . however and maxed out focus solely on them and ignore the majority of people who live it up only to find they couldn not really afford to do so . this film play on the heart string ( admittedly well ) and turn to solely blame the credit company and big government for all of the credit trouble in this country . never once do it show an example of someone who hadn not see the light until they hit rock bottom thanks to their own ignorance and stupidity or greed . it do highlight two college student that ultimately commit suicide because they apply for and receive credit card upon start college and unknown to their parent . they be irresponsible and run up a debt they couldn not escape and ultimately turn to suicide . this be incredibly sad and i feel for the family and but you can not solely blame the credit card company for this . hey and i get a credit card when i start college and i be smart enough to realize that you still have to pay for all that stuff . i never buy more than i could afford to pay off when the bill come . that how it work . maxed out never mention this simple fact . instead and it opt to blame the credit company at every turn . i say that it also love to blame government for be in bed with the credit company . this be somewhat true and but it unfairly paint the republican a the sole guilty party . i actually do not get to watch this film until 2009 and about 2 half year after it release and now the current economic trouble only serve to marginalize this film and it republican bashing tone . it want so desperately to blame republican for the credit problem of ordinary american but time have prove that it wasn not until after the democrat take over ( soon after this film theatrical release ) that the economy and credit problem reach armageddon status . it even have the bad luck to briefly show such upstanding leader a christopher dodd and eliot spitzer in a positive light . sure and spitzer problem be personal and but dodd have prove to be one of the great hypocrite and thief in government today and accept sweetheart mortgage deal on his several mansion in exchange for government payoff back to the lender ( countrywide . ) dodd be hardly the example to hold up a someone fight to fix the credit industry in america and but maxed out try and while attempt to demonize president bush at every turn . it also unfairly portray the bankruptcy reform act of 2005 a a move that would mostly punish those already down on their luck for no reason of their own as well a solely a back room deal between the bush administration and major lender ( and bush campaign donor ) mnba . i be not say all that be entirely untrue and but the fact be the primary design of the bill be to stop the trend of people use bankruptcy a the easy way out even when there be other way to escape their problem . by 2005 and too many people who be live beyond their mean have already learn to cheat the system and use bankruptcy law a a way to avoid pay off their debt . story abound about how bankruptcy have stop become a stigma and start become a status symbol among the jet set and those desperately try to keep up with the jones . the 2005 bill specifically target those people the very same people maxed out entirely ignores . the same people it neglect to mention once in any single segment of the film . i also mention that the film be sluggish and haphazard . aside from the left leaning message of the film and it not a fast moving and nor engrossing documentary . at only about 1 represent20 minute ( before the credit start roll ) it felt like 2 plus hour . not really help be the fact that it jump from message to message and story to story and sometimes seem to highlight a subject only to abandon it before the point be make . there be a brief segment feature two college student who attempt to use a sponsorship by a credit company to pay for college . apparently it work for a while and but they differ on the term of the sponsorship and eventually the arrangement dissolve . the student claim they want to educate student on smart borrowing while the credit company have other idea . it hard to say because the segment be so short and unfocused that i wasn not really sure what the deal be and how long it last and why specifically it end . additionally and not one representative of the credit company be interview for their take on the story . that also a major flaw of the film . it entirely too one side . you might expect a credit company would at least get one chance to blame irresponsible borrower and outright cheat . but it never happen . ultimately and what could have be an interesting take on the universal blame for the credit fiasco in america and turn out a a one side and finger point and no solution bore .