Why doesn't everybody do this?

because we have something called responsibility.while certain places violate the FDCPA alot don't.fine do what you did.i don't endorse that for a second.

Because this kind of mindset is at the same level as the collectors who do not act responsibly. Because I still have to live with myself, and that type of carelessness would make it very difficult.

What responsibility do I have to pay a JDB? I never did business with them.

because my credit has improved because i dealt with a couple that worked with me.have your mindset.it will serve you well in the future. :roll: :roll:

Maybe you never do business with them, but obviously to didn't do business with the people that you did business with. That is why they sold it, because you would not pay them, even though you were doing business with them.

*That is why they sold it, because you would not pay them, *

They charge it off after 6 months. If they would've waited, I could've worked out a repayment. They certainly would have gotten a much better deal than they got with the JDB.

How were they suppose to know that

Some Creditors are taking legal action, that's one reason not to do what you did.

*How were they suppose to know that when you didn't even have the balls to talk with them? *

How would you how I dealt with the original creditors? I haven't even discussed it here. I beginning to think this forum is just a front for the junk debt buyers to sucker people into paying money to grifting companies they don't need to pay.

Gee your a genius your 7.5 years past your deliquency. They fall off any way...

Accounts are not automatically sold at charge off. You could still settle with them. Charge off is a legal point in time where the debt is written off. They do not have an option to wait. 180 days = charge off. I have had accounts that stayed with the OC for a year after charge off.

Quote:

What state are you in? Just because they may not be on your cbr they may still be within the SOL and that can get you sued.

Yeah, you are SO lucky you didn't get sued. I am being sued right now after basically ignoring them all like you did. Now I'm going to meet with a bankruptcy attorney.

*Just because they may not be on your cbr they may still be within the SOL and that can get you sued. *

SOL is 3 years. That was passed a long time ago.

guest, this is a place where real people can come to get help with real debt issues. It isnt here for you to post ridiculous claims like this. You admit to owing a lot of debt, and then you admit to snaking out of paying it. In my book, that doesnt make you anyone that we should be taking advice from. Here, we advocate that people should make every effort to pay debts that they legitimately owe, to the collector that legally has the right to collect. We dont advocate skipping out on legit debts when the debt collector has followed the law and proven what the law requires them to prove. If thats your plan for success, then perhaps you are on the wrong forum.

Here's another scenario for your genius plan that happens every day in this country--

1--you owe a debt collector a lot of money.
2--that debt collector sues you in the wrong county so they can get the default judgment.
3--they get the judgment against you, which may or may not ever be reported on your credit bureaus.
4--SOL for judgments in your state is at least 5 years, and just about every state has either a longer SOL or they are renewable.....

When you put all of that together and think about it, you still might not be out of the woods yet, chief. Oh, one more detail thats relevant there--many states have a set amount of time for you to make motion to dismiss or to appeal a judgment, so even if they were in the wrong when they got it, in many cases you would be, well, SOL yourself....

Next time, do the smart thing--dont come in here boasting and bragging about how smart you THINK you are. There is NOTHING smart about skipping out on your legitimate obligations.

SHUT UP! Give me a break, lmao !!!

You'll be taxed for the old debt the JDBs didn't collect from you. Be watching for 1099Cs.

Well (my '2 cents'..) I can understand that the SOL has expired,..but,,,aren't you giving WRONG advice on how to deal with the CA's, OP????? The 'newbies', on this Forum, are likely to read your posts and decide they don't HAVE to deal with any of the CA's, etc. ...which is NOT good. With CA's, (and whoever else you owe money to..) you can, AT LEAST pick up a phone and discuss your situation. If they don't 'work with you', at least you know that you took some kind of effort to take care of a debt. I'm not trying to be 'negative' toward you, but,....no one can read your mind or know what's going on wit you until you let them know.

Integrity- adherence to moral and ethical principles; soundness of moral character; honesty.

Although things worked out in your favor dont boast and talk bad about the collection agency. YOU BORROWED MONEY. You signed terms and agreement to pay it back at WHATEVER RATE that company decided. They want there money and you owe it , duh!!

We as consumers need to do better. Dont buy things we cant pay for. Your job is not promised so we need to make better decisions. Again....glory be to God that things worked out for you but I wouldnt encourage your behavior.

guys, I'm locking this one....nothing good can come from a thread where people post legitimate, good advice, and the "guest" can only reply with things like "shut up". And so ends this train wreck....