If it feels like all your creditors are ganging up on you, it's because they are. In this video, DebtStoppers bankruptcy attorney Rob Semrad explains how universal default allows your creditors to use shared information about you to raise your interest rates on debts you always pay on time. It's true! To learn more, visit us at www.debtstoppers.net.Disclosure: DebtStoppers is a debt relief agency helping people find financial freedom through bankruptcy. Less