Bad Advice

Hey Mishele, I think you are right. Pay and Old School do sound one in the same! Or perhaps of the same gene pool or cell block. One, Two, THREE.......The world may never know. :roll:

Your right DollarsandCents. I've heard of children getting card offers in the mail. On another forum I registered using just my first and middle name, sure enough in a couple of weeks I started getting credit card offers in the mail. The cc companies many times get what the deserve when some defaults happen.

Don't forget caps lock also steelers, lol. He likes to come by and troll every so often also. They might want to see a doctor about their split personalities.

And your rigth dollars and lawstudent, many of these credit card companies are very predatory. File a bankruptcy and after its discharged wait and see how many credit card offers you get. Or how about students in college can get them even if they don't have a job. Hidden fees, small print. Late with one payment on one credit card and another will raise your rates.

My son, who is not even two yet received a credit card off in the mail! I read an article where a guy got a credit card offer and ripped it up. Then he decicded he wanted to see if he still could get it. He taped it back together and changed the address to his parents house and they still approved it and sent it to his parents house. Shows how easy these credit card companies make it for identity theft.

Capslock is posting over on one of the Bass threads, lol. And I have also heard of pets getting credit card offers in the mail and getting approved. Makes no sense...

I have 2 daughters in college, 21 and 19, and we recieve at LEAST 4 - 5 credit card offers per day per child! Luckily, neither has fallen into the trap yet! Also my 15 year old son recieved an offer for a credit card last week! It's very scary!
Ang

Hey, I've had dogs where they have been pre-approved for credit cards. They get better offers than me :shock: Yes, we get the trolls around here every so often. It is just something he says that reminds me of Pay. I think they are one in the same. I get tired of the accusations. Maybe the old school collector needs to walk a mile in someone else's shoes for awhile. This might give him a little more understanding of what people are going through here on the forum. :?

I've seen news stories in the past where they are interviewing people where their young children received credit cards in the mail and also people's pets. LOL.

I have the strong belief that people like pay and his "buddies" or should I say "other personalities", will reap the misfortunate that those who have fallen on hard times have dealt with. It is called karma.

And I would not be surprised if one day pay and his other personalities are on here looking for advice because he has fallen on bad times. It happens to the best of us. And we can not predict the future or what will happen, especially when some financial catastrophe hits us when we least expect it, and sometimes you can just never save enough to prevent a catastrophe.

Steelers,

You have hit the nail on the head. Life has many twists and turns. Believe me, this last year has dealt our family many blows but we are coming out of the debt struggle one day at a time. We are so much better off now than we were a couple of years ago before I found this site.

Well, you know what I am going through right now. I was working on my situation, almost over, and NOW this. You tell me, how does a person truly every save enough for an unknown catastrophe? And this site has been a life saver for me! And others also! :D

Well, we have finally built up some savings but I had to take some money out of my 401 (k) to do this and to pay some other things off. It's been hard this year since I got laid off. Now that I'm sick, who is going to hire me? I can feel your pain and I'm sorry you are going through this. We are here for each other. That is what is so great about this forum. :lol:

Yes, you truly did get hit with a double whammy. And you are a prime example of how horrible things happen to a really great person. There is absolutely NO WAY you could've predicted your situation and it is one that I would NEVER wish on any person. Regardless of what old school says, it is great to have a place to go to to vent and brainstorm. Perhaps he is just a tad upset that he does not have a support system.

I feel the same way about you and your situation. You've been such an inspiration on the forums and then wham. I don't think old school understand that life does happen. If it is PAY, then he actually has no bills. I don't like the fact that he came into chat and accused us of using stolen computers. We don't do those kinds of things around here nor do we encourage it. I think old school needs to take another look around. That is just my opinion though.

I know, he was a complete a$$ in chat! Especially when he accused us of using stolen computers, he is just a complete idiot. I think he has some underlying anger issues perhaps with his mother that he needs some therapy to deal with them!

And if he were paying close attention he would see how others here have made positive changes with support and great advice to better their situations.

You have a point there, Steelers. He was rude from the get go in chat. Just to come in and start calling people names for no apparent reason! I don't undersand that :x Then he is threatening to call people on Sundays and acts like he enjoys it. I don't understand that and he made no valid points either.

I do have to admit it was fun messing with him in chat! He deserved every little bit of it. He is just looking to start drama. And, well, he picked the wrong time to go into chat with 2 tardy hos being present! :D

LOL! Maybe he learned his lesson? But I seriously doubt it. You know what really irks me about the other night when PAY was in there is when he started talking about payday loans. He actually thinks this is a solution to someone who has bad credit and has fallen on hard times. I guess he's never been in that trap and doesn't understand what it's like to get out of it. That is not very sound advice at all.

:twisted: :twisted: He is just an instigator plain and simple. It is as if he knows what buttons to push to get people going. But hey, if you are reading this pay/old school, you are welcomed into chat any time! If you can stand the heat. Which from past experiences with you in chat, it is obvious you can not.

At least the tardy ho's gots a new pimp last night! Go MAGIK MIKE :lol: You know who you are, babe LOL!

He got dealt a hand full the other night. It's good that we stick together. Who does he think he's fooling? It's not like we just fell off the turnip truck as they say. :roll:

Magik Mike ROCKS! :D I'm sure he is going to prove to be one who truly REPRESENTS! :D :P

tell me about this chat thing.....sounds like a bitchslap fest that I could have some fun with too.....

LOL! Yes it is! LOL. Look at the upper right hand corner, above the search box, just click on chat and you will be directed right to it! :D

I agree with you on that point :lol:

I agree with you on that point :lol:

Honestly, I think PAY works for a pdl. Why else would he encourage people to take them out? He probably works in the collections department too. :evil:

LOL! You are so right Mishele. With the way he was promoting them in chat, I think it was becoming apparent with who he works for. And he kept repeatedly dancing around the questions when asked which one he works for. LOL

I know he did but he kept asking if we wanted to know who he worked for. DUH!

LOL! He is really ignorant when it comes right down to it. I think he is angry because people come here and get educated on their rights when it comes to debt collection activites, what is legal and what isn't, and validating the debt before paying it.

I think a lot of collectors get mad when we know our rights. They can't scam the consumer so easily. I am so glad to see this forum grow by leaps and bounds. I want more people educated about their rights. Knowledge is power and collectors don't like that. It's just that simple. :!:

My brother is a good debt collector and he have 4 kids and his wife is a nurse.
My brother have a master degree in business and computers.he is only 34 years old.
My brother is a wonderful person and he is a great debt collector.
He dont like bad debt collectors and he really
Dont care about bad debt collectors because bad
Debt collectors give a bad name to good debt collectors.
It is not debt consolidation care forum members that help many people in this forum that give a bad name to collectors.
human beings in this world are different and
Many people are wonderful people while another people is so bad that kills and harassed innocent
People every day.
Some people steals money in the street with a gun in your head and maybe kill you.
I dont think that some bad collectors have to be
Angelical people because people is people and good
And bad collectors are people.good and bad people
Is part of this world always.i pray to god every they to help the good people of this world and i
Pray to god always for better people in this world,
Like my family and the great and wonderful members
Of this forum.

WOW... DONT READ!!!
MAKE ME SICK TO READ YOUR POSTS EITHER.
WHO CARES?
I HAVE MANY WONDERFUL FRIENDS IN THIS FORUM THAT
REALLY CARES ABOUT ME AND NEVER DISCRIMINATE MY
ENGLISH THAT IS NOT MY FIRST LANGUAGE...I LOVE THE GREAT MEMBERS OF THIS FORUM.
WHO ARE YOU?
I NEVER SAW YOU IN THIS FORUM.
TODAY YOU GO TO HAVE YOUR MINUTE OF FAME BECAUSE ME.
WHAT A SHAME!!!

I FORGET TO TELL YOU THAT I NEVER READ YOUR POSTS.
WHAT A SHAME!!!
YOU NEED ME TO GET YOUR(1) MINUTE OF FAME AND I UNDERSTAND IT.
GOOD LUCK!!!

first off, it is called a JOKE, pal. Lighten up already.

Second, there is this little invention called the caps lock key. Please find yours and disengage it.

Third, who in the world do you think you are? You havent seen me in the forum? I am so terribly sorry, I was not aware that I needed your permission to be here or to post in this thread! Next time, I will be sure to run my posts by you before putting them in here, will that make your widdle boo-boo feel better???

Look, jack, I am here for the same reason as most everyone else. And if you care to take a look at my posts, you will see absolutely nothing but me helping people. That is, until I try a light-hearted post with you and you fly off the deep end like I just slapped your momma. GIVE IT A REST.

Finally, one minute of fame? I am a proud US Navy veteran, who served in combat and was wounded for my country. I spent seven years as a firefighter, saving people and asking nothing in return. I am a cancer survivor. I am married to the greatest woman on the planet and have three incredible daughters I wouldnt trade for anything. And I am 33 years old...I have done more than a little in my life and I am hardly done yet, so BELIEVE ME, kemosabe, I dont need you for any kind of fame. All I did was tell a joke. Get a clue.

SORRY I WAS JOCKING EITHER.
YOU HAVE THE AGE OF MY DAUGHTER,33 YEARS OLD.
YOU ARE A SURVIVOR OF CANCER,CONGRATULATIONS!!!
YOU FIGHT FOR THIS COUNTRY,CONGRATULATIONS!
YOU HAVE BEAUTIFUL CHILDREN AND HEALTH AND I FEEL VERY HAPPY FOR YOU.
MY HUSBAND IS BLIND AND MENTALLY ILL AND NOBODY CARES ABOUT HIM.THE ONLY FAMILY HE HAVE IS ME AND MY
FAMILY.i'M 56 YEARS OLD AND I'LL BE 57 YEARS OLD IN
JULY.
I AGREE WITH YOU MY ENGLISH IS REALLY BAD BUT PEOPLE
LOVE TO READ MY POSTS.I WRITE AND SPEAK MY LANGUAGE
VERY WELL.
I'M NOT ANGRY WITH YOU BECAUSE YOU ARE A CHILD THAT
SUFFERED A LOT IN YOUR LIFE ALREADY.
I GO TO PRAY FOR YOU AND I GO TO READ YOUR POSTS BECAUSE YOUR ENGLISH IS GREAT!!!BELIEVE ME I GO TO BE YOUR FAN.

You are an awesome person Tania! :D I love reading your posts! :D :D

I'M YOUR FAN!!!
I WISH YOU GOOD LUCK WITH LTD 77074.

THANKS, STEELERS1.
I'M REALLY HONORED FOR BE IN THIS WONDERFUL FORUM.

I'M REALLY HONORED TO BE IN THIS WONDERFUL FORUM.

FINSFAN13 IS MY FIRST GUARDIAN ANGEL OF THIS
FORUM.
I REALLY HAD THE IDEA TO CALL GUARDIAN ANGELES
ALL GREAT MEMBERS OF THIS FORUM BECAUSE FINSFAN13.
THANKS FINSFAN13!!!

Thanks for the very kind words--where are you from originally?

You and your family are in my prayers too. Please forgive me if I said anything that put you off, I was not intending to be seriously rude....

I'M FROM BRAZIL IN SOUTH AMERICA.I'M VERY PROUD TO
BE A SOUTH AMERICAN AND I'M VERY PROUD TO BE A CITIZEN OF USA.
THANKS VERY MUCH FOR YOUR PRAYERS AND I WISH THE BEST IN LIFE FOR YOU,YOUR KIDS AND YOUR BEAUTIFUL
CHILDREN.
I LIKE TO WRITE CAPITAL LETTERS BECAUSE I THINK
IS FUNNY AND IF IS WRONG THANKS FOR TELL ME BECAUSE
I DIDNT KNOW IT.
I LIKE SINCERE PEOPLE AND I LIKE TO BE A CLOWN
EITHER.I'M A VERY SENTIMENTAL PERSON AND I THINK
IF I WANT TO FORGET BAD THINGS IN MY LIFE IS
BETTER SMILE THAN CRY.
MY HUSBAND THINKS I'M VERY FUNNY!!!
THANKS FOR YOUR KINDS WORDS EITHER.
GOD BLESS YOU,YOUR FAMILY AND ALL GREAT MEMBERS OF THIS FORUM.

Tania,

It sounds like your brother knows how to follow the laws. That's a good thing to hear and is very encouraging around the boards. I think you are awesome too!!

I did not realize your brother was in collections. And I'm sure he is as kind and understanding as you are Tania. I am glad you are a member of this forum! :D

Tania,

It's okay to joke around. There is nothing wrong with having a sense of humor :)

Very cool, Tania. South America is one of the places I have not had the pleasure to visit yet. Oh, and keep that sense of humor coming along, I have found that at times it was the only thing that got me through a hard time. About the capital letters, in internet circles, many people take that to mean you are angry, or yelling. Now that I know that you just like to do it, by all means, dont let my ignorance from before stop you, please! You have a fantastic outlook on life. Thanks for sharing that with us.

I HAVE 2 BROTHERS IN USA AND MY DAUGHTER IS ONLY 2 YEARS IN SEATTLE.I HAVE ONE BROTHER,2 SISTERS,MY
MOTHER, MANY FAMILY AND SOME 2 GREAT FRIENDS
IN BRAZIL.
EVERYBODY IN MY FAMILY IS HAPPY AND THEY ARE GREAT PEOPLE JUST LIKE THE GREAT MEMBERS OF THIS FORUM.
MY HUSBAND TODAY IS BETTER AND I'M VERY HAPPY.
THANKS EVERYBODY FOR ALL YOUR KIND WORDS.

Ya know - I will have to admit something - OSDC is right. He is. Now, before you throw the mental tomatoes at me, and before you start your dance OSDC, hear me out.

We do tell people not to pay their debt. But it is what we tell them AFTER that matters. See, when someone gets a debt they are unsure of, we tell them not to pay the debt UNTIL THE DEBT IS VERIFIED. This seems to be the piece OSDC is missing, or choosing to ignore. And that is true with anyone. If you don't know what you are sending money for, don't send it! You have the right to know why you are being asked for this money, and by law, it is up to the collector to prove that this debt is yours. If he proves it, you have an obligation to satisfy this debt. Now, if the collector chooses not to prove it, you should pay nothing. I am not going to write $50 checks and mail them to companies I don't know that I have chosen at random from the phone booth. Basically - that is what you are doing if you do not know exactly what the debt is about.

So OSDC, stop dancing. and pay attention to the boards. Do us a favor - if you have proof, post a link. Don't just type it. If you have nothing, stay here and read. Educate yourself. If you see something that is wrong, tell us. But please, back it up with proof.

I can say elephants can fly. Until I can show proof, no one will believe me. Nor should they.


(really - elephants just glide, like a flying squirrel)

If you say it jedijeff, they will believe. I believe you when you say elephants can fly. :shock:

Now just click your ruby slippers together and say.....oh, heck...
Tanya, my daughter's very best friend while growing up is the child of Brazilian immigrants--who considered my oldest to be their second daughter, as I consider their child to be my third daughter. Although these two have long-since moved away, I still have my daughter's friend Louisa's cell phone number and call it--and she answers it!! These two kids are 22 and soon to be 22 and have been best friends since the 6th grade. They would do anything for each other still.
Where are you from in Brazil?