I hope you never lose your job or your business or fall on hard times because a loved one contracts a serious illness and runs up major medical bills. Honest people fall on hard times for a variety of reasons beyond their control. Furthermore, as several others have already pointed out, many of us are harrassed for debts we already paid or never even owed in the first place. I once fell on hard times due to a death in the family, but I repaid all my debts in due time, and it wasn't because bill collectors called and harrassed me at all hours of the day and night. I paid my debts as soon as I got back on my feet because that's the responsible thing to do. Oh, and by the way, I'm not a clown and I'm not irresponsible, unless you think earning a masters degree and flying helicopters for the U.S. Navy is some kind of joke. My point is, if I can fall behind repaying a debt, so can you. Whatever... you're nothing but a debt collection telecom dude making six bucks an hour. Hell, you probably still live in your Mom's basement. What do you know about mortgages, student loans, owning a business, etc. Perhaps you should change your name to Scuba Dick.

In all honesty, people fall on hard times and predatory lending will always be an issue, but for God sakes, read the terms and conditions and know what you are getting into. Card insurances are a joke and cccs is a scam as well. I have read more mistruths about fdcpa in this thread then I can count so before you people start throwing around laws you havent researched make sure you understand that most of those laws only hold water in certain states. ( ie: the mini miranda). Just pay your bills. If someone owed you people money Im sure you would be calling them too. So grow up, you made your bed now sleep in it. Im sick of everyone counting on credit as income. Thats how you all wound up in this mess.

[ramj70]

Well nunya why don't you list the mis-truths that you cannot count. Also the FDCP is federal law which means it holds water in every state.

Oh, and if someone owed me money I wouldn't call them every day or threaten them. I just wouldn't loan them money anymore, file a suit if necessary and move on. And it doesn't matter why someone is in debt, CA's must follow the fdcpa, in every state.

[cajunbulldog]

:lol: :lol: The fdcpa is legal and binding in all 50 states. Perhaps these guests should read the text of the law instead of their newsletter from the ACA!

[Lukeskywalker]

Nunya,

I do agree that credit cards if not respected and used with common sense will get you in trouble. I agree 100% that cash is the best, and if you cant afford it donkt get it. A person should know what the difference is between a need and a want. I also know this, anything at anytime can happen to anyone and if you are not ready for it by having a emergency fund, you are going to fall. I know first hand as most of us here do that when you fall you fall hard and it is very hard sometimes if not impossible to get back up. I have found this forum to be an oasis of help and support and I will use it and give to it untill I am better for it and all here are better for it. I do thank you for you input, some of it makes sense, but do not be hard on these people for someday you may be one of them.

thanks