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 Posted: Fri May 16, 2008 12:05 pm Subject: reply |
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i agree guest,tom seems likr he is determined to shoot down NAF.suspicous indeed.
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paulmergel
Debt Samaritan
Joined: 24 Jun 2007
Posts: 2379
Debtcc Points: 8473
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| Posted: Fri May 16, 2008 12:33 pm Subject: Fraud |
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Debtor Almost Free,
Former client of HK. So....uuummm you think I'm a debt collector who gives you advice to beat debt collectors??..LOL. Now really think about that for a second. And why would you think I'm a debt collector? That's such an absurd statement to address any further.
Shazzers it is legal. But if you ask for proof that you owe anyone it might save you. alot of times they don't have proper documentation. They use legal loop holes. I know everyone has heard of that one. It's a pain to contest and you have to go to court but if you want to win you have to do it and raise a ruckus. Just because it's legal does not mean it can't be a scam. I'm sure in your lifetime you tried to side step something by using legal loop holes and the excuse of NO ONE SAID I COULDN'T DO THAT. Most adults have in some shape of form. Whether small or not. That's what going on.
But again don't take my word for it do the research yourself on line to find out how to beat this. The more you learn the better you will be.
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Tom321
Guest
Debtcc Points: 100
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Shazzers
Moderator
Joined: 05 Dec 2007
Posts: 3806
Debtcc Points: 24940
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| Posted: Fri May 16, 2008 1:42 pm Subject: Fraud |
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paulmergel and Shazzer:
I looked you guys up on this site and read some of your posts. You guys know all about what I'm saying. We are all on the same side. You see that's what I do. Look things up. The internet is great for that. Being a former HK sap myself, do you really think I'm not going through what you guys are going through. I'm being hit from every bottom feeder dept collecter I can think of. But I said to myself if I'm going to have to go through this I better find out what's really happening to me. So I did and learned alot. I learned I'm screwed on alot of levels for ignoring it for so long so I said to myself "How to get out of this?" Well it's simple. PAY MY DEBTS ON TIME AND START PAYING MY DELINQUENT DEBTS THE BEST WAY I CAN, NEVER SPEND OUTSIDE OF MY MEANS. That's all I can do. I'll be debt free soon. Plus I've learned that legit debt collectors will work with you. Dealing with them is better than dealing with the courts and freezing my bank accounts along with taking my pay checks. I've heard the stories. Sorry if I sound like a traitor by being an adult and taking responsibility for my stupidity. But it's choosing the lesser of two evils.
But here is a loop hole for us:
Either file for bankrupt status. Or never use a bank account or anything like that and wait it out. If you do every time they say that they are going to take your money quickly close that account and open up a new one at another bank. That will buy you some time. When or if you move do not change your mailing address with the post office. Do not change your address on your credit report to the new one, that's how they find you. After a certain amount of years the debt is removed from your credit report and no one is allowed to collect on it. The time limit varies state to state. NJ I think is seven years. But beware junk debt collectors will still try to get you.
If taking care of my business makes me seem shady then shady I'll be. I'm tired of this credit crap and I want to buy a house one day.
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Tom321
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Debtcc Points: 100
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| Posted: Fri May 16, 2008 1:53 pm Subject: Fraud |
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You're welcome Shazzers and good luck. We all need it...LOL.
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Tom321
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