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That is right. That is why people shouldn't use garbage disposals when they have a septic tank. Also you should be sure what it is your are rinsing down the sink. Chemical decloggers and many cleansers kill the good bacteria and cause the septic system's ecological balance to die and then the problems begin. Any honest septic service will also tell you to use 1 ply paper and use it modestly. Charmin and other big name paper companies with big comfy 2 ply extra thick sheets and aloe and lotions is the worst for a septic tank.
My husband was a plumber for 25 years, and this is exactly right. You have to maintain bacteria in your tank. If your lateral lines are working properly, then you should not have any problems as long as their is the bacteria needed. The chemicals that you use in your home, do kill the bacteria needed for the system to break down the solids.
This is really gross, but if your system isn't breaking down solids correctly, and you can't afford to put anything in it, you can throw some sort of dead carcass in it (like a squirrel, nothing big), and the bacteria will start growing and start breaking down the solids.
You can also put yeast in it also.