I. Identify the problem. a. What is the environment? b. What is the situation? c. What are the...

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I. Identify the problem.  a. What is the environment?  b. What is the situation?  c. What are the options?    II. Identify the people and groups affected by choosing one of the above options.  a. Individuals: self, boss, client, subordinate, etc.  b. Groups: company, public, family, profession, etc.    III. Build a decision framework – What is going to be the basis for my decision?  a. Consequentialism – looking for good results or least harm  i. What will be the result of the decision for me personally?  ii. How are the above people and groups affected?  iii. Are they affected negatively or positively?  b. Deontology – duty and obligation  i. How deep is my obligation to each of the people and groups?  ii. How do I prioritize conflicting duties?  c. Virtue ethics – Who am I?  i. What fundamental principles are in play?  ii. What norms or traditions I practice are being challenged?  iii. What personal values that I hold are being affected or threatened?  1. Am I being asked to do something that I don’t believe in?  2. Am I being asked to ignore something that I feel must be addressed

David · Accepted Answer

Ethics 
Credit `repair' could leave you in a fix 
Introduction and background 
Credit cards have always remained a problem for a significant portion of the people using 
them. They lead people to debts very quickly and repayment of these debts does become an issue 
for them. In case of credit repair companies or websites, they are operating against the law. It is 
not right for them or even for credit card customers to provide or make use of such services. It is 
important that such practices are curbed and better security systems are provided for credit card 
companies. 
The given article, " Credit `repair' could leave you in a fix" by David Colker explains that 
the credit repair business model itself is illegal and unethical. Moreover most of the claims made 
by these credit repair companies is false.

I. Identify the problem. a. What is the environment? b. What is the situation? c. What are the options? II. Identify the people and groups affected by choosing one of the above options. a....

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