go into this movie i felt that a documentary on america debt crisis have a subject that most could relate to and have the making of one of the great documentary of our time . unfortunately it fell well short of my expectation . one of the people interview present what i would consider to be nothing more than conspiracy theory about the credit reporting industry and it be present a fact . also and the film get too wrap up in the emotion of people whose life be affect by personal debt and debt of loved one and rather than tackle the inner working of the consumer lending industry and which i would have find much more stimulating . while i do not think that late fee should make up half ( or more ) of a consumer credit card bill and i find it difficult empathize with people that purchase something and then elect not to pay the bill . on a positive note and the film do bring to light the tie of large bank to some other business . while i have see bad documentary and the film do not do the subject matter justice . perhaps they should have have someone on staff with more analytical skill and some insight a to the inner working of the consumer lending industry .