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Dear John,
You are absolutely correct that any version of "type[s] of debt[s]" can be grammatically correct.
You wrote: "I am sure that I have never knowingly met one of these passionate people . . ." They do exist, though apparently they keep their passion to themselves when in your company. Perhaps I am a bit odd in my penchant for steering a conversation towards grammatical questions - the more recondite the more entertaining - so these lovers of error reveal themselves to me.
I feel a little like Wilbur on the old Mr. Ed show. Ed would never talk when someone other than Wilbur was present, so only Wilbur was privy to Ed's unusual equine skill.
All the best,
Nick
Nicholas Gebelt, Ph.D., J.D.
Board Certified Bankruptcy Specialist
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