There is a multitude of ways in which our leaders reach us personally.
For example,
Teachers are leaders that are more specialized in helping students, and there are some, such as counselors that are even more personally.
A more general way that we are reached is through laws. We choose our laws, and they in return enforce it. Such as building roads, or helping develop towns.
Answer:Here, James took the right decision. I will clarify this with few points.
1st - If he purchases a car at high interest rate, he will still have all his debt on previous credit card standing as it is. He will have to pay car loan plus his older dues thus paying at double places.
2nd - It is likely that he can still default on loans as paying double money each month can create problems and James can again stop making payments.
3rd - If James starts paying his debts now, he can be free in a few years time and his credit score will again become good. Then he will get the regular rate of interest for his car as he will be debt free.
So, we can say, he made the right decision.
Explanation:
Hope this helped Baka