Anonymous
Anonymous
Posts: n/a
Credits: 0


Sub: #1 I m just not going to pay
Replied on 08-01-2007, 10:48 AM
Reply With Quote

I have spent irresponsibly and have gotten myself in a lot of debt. I have 6K on one Visa card, 9K on another, 3K on a Mastercard, and 4K on a Discover. Also I have an 8K signature loan from Citifinancial.

I was really wondering how to get out from under this, but after reading this blog, the answer is clear. JUST DON'T PAY. And when they charge it off and sell it to NCO, Asset Acceptance, LVNV, etc., I'll just pretend they din't validate the debt and not pay them either. I think I can run up a few more thousnad in debt, too, before the credit card companies start cutting me off.

Thanks folks.


Moderator

Posts: 5,668
Credits: 73,586


Send message to Bossy4455
Sub: #2
Replied on 08-01-2007, 10:56 AM
Reply With Quote

First of all, this isn't a blog. And second, Just because they don't validate, doesn't mean that you don't owe the debt. I take the Legal News, and there are suits from LVNV, NCO, and many others. They just issue a judgement aganinst you, garnish wages, etc. If you are serious about wanting out of debt, we can help you with such things as consolidation. If you aren't, this isn't the place to post..

__________________
As long as you are alive, there's always hope

Posts: 2,318
Credits: 51,261


Send message to Leah
Sub: #3
Replied on 08-01-2007, 10:57 AM
Reply With Quote

You should always try to pay off your debt...no one here says that you shouldn't.

__________________
Passion...it is born...and though uninvited, unwelcome, unwwanted...like a cancer, it takes root. It festers. It bleeds. It scabs...Only to rupture and bleed anew. It grows...it thrives...until it consumes. It lives...and so it must die....in time.


Moderator

Posts: 4,831
Credits: 41,596


Send message to cajunbulldog
Sub: #4
Replied on 08-01-2007, 11:17 AM
Reply With Quote

Why oh why do we keep getting these useless posts from guests who has very obvious jobs!It is tiresome having to argue everyday!!

__________________
Cajunbulldog
Keeping an eye out for consumers.
http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#809
http://www.ftc.gov/os/statutes/fcrajump.shtm
http://www.debtconsolidationcare.com.../about216.html
Use this letter to protect your rights under the FDCPA
myfairdebt.com & myfaircredit.com-Good source of case law in forums.

Anonymous
Anonymous
Posts: n/a
Credits: 0


Sub: #5
Replied on 08-01-2007, 11:27 AM
Reply With Quote

Can't you just IP ban him?

Posts: 136
Credits: 4,015


Send message to waterbug811
Sub: #6
Replied on 08-01-2007, 01:08 PM
Reply With Quote

It's people like that poster who foster the stigma of the debtor as a deadbeat rather than someone trying to correct past mistakes.


Moderator

Posts: 2,629
Credits: 30,828


Send message to Sassnlucy
Sub: #7
Replied on 08-01-2007, 02:19 PM
Reply With Quote

These idiots are just trying to get us riled up.

__________________
So what, I'm still a rock star...I've got my rock moves and I don't need you....and guess what, I'm having more fun now that we're done!!!!!


Moderator

Posts: 5,668
Credits: 73,586


Send message to Bossy4455
Sub: #8
Replied on 08-01-2007, 04:52 PM
Reply With Quote

good one Sass!!

__________________
As long as you are alive, there's always hope

Anonymous
Anonymous
Posts: n/a
Credits: 0


Sub: #9
Replied on 08-02-2007, 01:04 AM
Reply With Quote

If you don't pay, they can garnish your accounts. Or, you can file for chapter 13.

In the long run, you do pay.




Posts: 2,111
Credits: 25,160


Send message to good.nelly
Sub: #10
Replied on 08-02-2007, 03:58 AM
Reply With Quote

Hi guest

We r here to discuss the ways that will help us in getting rid of debt...not about d ways to get overburdened with debt!!!!



Moderator

Posts: 4,831
Credits: 41,596


Send message to cajunbulldog
Sub: #11
Replied on 08-02-2007, 04:23 AM
Reply With Quote

Bertha we advocate that everyone have their debt validated to prove collector has your debt and also has right to collect on it. If they cannot even validate,a law suit can be defeated due to serious lack of evidence.

__________________
Cajunbulldog
Keeping an eye out for consumers.
http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#809
http://www.ftc.gov/os/statutes/fcrajump.shtm
http://www.debtconsolidationcare.com.../about216.html
Use this letter to protect your rights under the FDCPA
myfairdebt.com & myfaircredit.com-Good source of case law in forums.




Posts: 2,111
Credits: 25,160


Send message to good.nelly
Sub: #12
Replied on 08-02-2007, 05:27 AM
Reply With Quote

Hi Bertha

Cajun is right. We must get the debt validated before paying the collection agencies anything. It is very important to know whether we really owe what they say or they are just playing stupid mind games with us.

Take care
Nelly


Posts: 1,186
Credits: 17,180


Send message to Law Student
Sub: #13
Replied on 08-02-2007, 11:44 AM
Reply With Quote

Cajun and Nelly are right. Even if a debt some CA is trying to collect is legit, almost always the amount is over inflated with various "fees" and interests designed to rip you off. A charge off of $500 can somehow become $5000 overnight without explaination. That's the purpose of the validation letter.

__________________
He who has freed himself of the disease of "tomorrow" has a chance to attain what he came here for. --G. I. Gurdjieff (1872-1949)

The science is in knowing, the art is in perceiving - Robert Fripp (1946-)

Ever get the feeling you've been cheated? - Johnny Rotten (John Lydon) (1956-)

Anonymous
Anonymous
Posts: n/a
Credits: 0


Sub: #14
Replied on 08-02-2007, 12:20 PM
Reply With Quote

To Guest who posted this thread...yes, that's all true. You CAN simply walk away from it all. I've actually had ATTORNEYS tell me that. Some actually take that risk and nothing happens to them except 7 years of bad credit. You CAN also sit around waiting for the lawsuits to come in and do nothing. And yes, rather than be bothered with anything in this forum and all the $5 certified letters and everything else, you can file bankruptcy...that is, IF you qualify. You can do any or all those things. Go for it. This forum is not about that. It is about people who really want to address their debt issues and not get ripped off in the process by shady collectors and their equally shady lawyers who care nothing about you, only about maing a fast buck on the backs of people who made mistakes or, through no fault of their own, ended up jobless or in the hospital for months and couldn't pay their bills.

Good luck "Guest". But go away. This forum is not for you.




Posts: 2,111
Credits: 25,160


Send message to good.nelly
Sub: #15
Replied on 08-03-2007, 03:32 AM
Reply With Quote

Hi LawStudent

debt validation indeed is the best way out to deal with the debt collectors who demand thousands of dollars for the debts that they purchase from the OCs in penny.

Nelly


Anonymous
Anonymous
Posts: n/a
Credits: 0


Sub: #16
Replied on 08-03-2007, 03:57 AM
Reply With Quote

after all the posts this windbag makes, why re people still not getting the point that he is justbeing sarcastic in a lame attempt to try to sound like he has a clue?

Folks, this is a debt collector, who comes here as a guest, and posts this crap simply to get a reaction out of everyone. The sad part is, it works. If no one responded to this jerk, the posts would probably stop.

But then again, he obviously doesnt have any kind of a life to start with, if he has to come in here and post like this to get a thrill out of life. Collector, when you're ready to stop hiding and come back to getting spanked in here by those who know the law, let us know.




Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump



All times are GMT -8. The time now is 10:47 AM.





* Disclosures:
  • By signing up for counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
  • Some creditors and collection agencies refuse to lower the pay off amount, interest rate, and fees owed by the consumer.
  • Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
  • Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
  • The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.
Page loaded in 0.054 seconds.