ya...ok?

[rollerdj 10+ year member]

u should a told her "YAAAAHHHHHH TRICK" and hung up the phone //content.invisioncic.com/y282845/emoticons/biggrin.gif.d71a5d36fcbab170f2364c9f2e3946cb.gif

 

[craigzter 10+ year member]

its all good slick, I will manage it someway, somehow..I just hope monday gets here very soon.

and rollerdj, ya...ok? lmao...anywho...

I will figure something out, and thinking about calling up capital one and seeing if there is someway I can work it out with THEM, if it aint too late.

 

[Chevillac 5,000+ posts]

why would you let someone bully you over the phone. You shoulda talked dirty to her and shit. talked about fukin her in the ***. I woulda had fun with it. I remember i heard my uncle talkin to some collection agency for something. THat was the funniest thing ive ever heard. They were jsut back and forth cussing at each other, calling each other names. I dont even know what the point of that phone call was, other than both of them to release their stress on eachother.

 

[rollerdj 10+ year member]

why would you let someone bully you over the phone. You shoulda talked dirty to her and shit. talked about fukin her in the ***. I woulda had fun with it. I remember i heard my uncle talkin to some collection agency for something. THat was the funniest thing ive ever heard. They were jsut back and forth cussing at each other, calling each other names. I dont even know what the point of that phone call was, other than both of them to release their stress on eachother.

see, at least i'm not the only one for scewing with people over the phone. //content.invisioncic.com/y282845/emoticons/laugh.gif.48439b2acf2cfca21620f01e7f77d1e4.gif

 

[slick rick 10+ year member]

why would you let someone bully you over the phone. You shoulda talked dirty to her and shit. talked about fukin her in the ***. I woulda had fun with it. I remember i heard my uncle talkin to some collection agency for something. THat was the funniest thing ive ever heard. They were jsut back and forth cussing at each other, calling each other names. I dont even know what the point of that phone call was, other than both of them to release their stress on eachother.

This man understands the world.

 

[craigzter 10+ year member]

makes perfect sense man, thanks alot...

Im typing up a letter as I sit here pondering what will possibly happen. Anyway, not going to stress myself over it tho, just gonna do my research and find out wtf is going on.

and to the rest of you guys, thanks alot for all the suggestions and help points on this matter.

Aaron

 

[nismos14 5,000+ posts]

They are paid to act that way. That is their job. You think people are gonna pay just because someone calls you and asks you nicely?

 

[Chevillac 5,000+ posts]

They are paid to act that way. That is their job. You think people are gonna pay just because someone calls you and asks you nicely?

if it was me, this (being nice or whatever) approach would work more, cuz they are being reasonable. If you just call me acting like a jack ***, I wouldnt even take you seriously. Nothing would be resolved.

 

[nismos14 5,000+ posts]

if it was me, this (being nice or whatever) approach would work more, cuz they are being reasonable. If you just call me acting like a jack ***, I wouldnt even take you seriously. Nothing would be resolved.

I understand that, but they act that way because they do not want to befriend you symathize, they don't want to hear excuses. They are getting paid to make those calls because the big business doesn't want to involved. If you were not gonna pay, you'd be subpoena'd or continually sent notices until you paid, and of course interest would accrue.

 

[Flipx99 5,000+ posts]

I understand that, but they act that way because they do not want to befriend you symathize, they don't want to hear excuses. They are getting paid to make those calls because the big business doesn't want to involved. If you were not gonna pay, you'd be subpoena'd or continually sent notices until you paid, and of course interest would accrue.

Not always

 

[Flipx99 5,000+ posts]

The big business has to get involved because they're the ones you really owe the debt to. The only thing the collection agencies have on you is partial payments (any payments made they use as evidence that you feel you owe them the debt), and those common law defaults they send out that when you don't respond make you liable for the debt. But I've never seen anyone get sued by a collection agency and I've seen people with upwards of 4-6k in debt. Most collection agencies aren't even local, so they'd have to pay someone to drive/fly to your location to even file the suit, on top of lawyer fees, and then the fact that even if they do win what are they going to get?
If someone is too poor to pay a debt, they usually don't have assets to seize or a good job to garnish. Lawsuits are really just inefficient and that's even when you win, unless it's against someone with money. Suing poor people just costs you more lol. Which is why I don't understand why poor people get so scared of them.

Exactly, like I said earlier...you can't squeeze blood from a turnip. For once, we are seeing eye to eye all the way around...//content.invisioncic.com/y282845/emoticons/smile.gif.1ebc41e1811405b213edfc4622c41e27.gif

 

[mokedaddy 5,000+ posts]

The worst thing they can do is file a judgment and that is only if they actually are a local law office and you have admitted to the debt. I actually had this happen to me years ago.

I also had a collector try and bully me for almost 4 grand on a card with a 300 limit. I disputed the charges in writing, asked for itemized charges and bills and never heard from them again. Checked my credit 6 months later and it was all gone. This was after I paid my judgments which I am sure is how they got my information in the first place.

 

[mokedaddy 5,000+ posts]

And the only thing I slightly disagree with you Flip is in regards to mortgages. I would think they could buy very little time using that excuse since they are recorded in county offices.

But I could be wrong on a technicality somewhere since I am not very well versed in debt law.

 

[slick rick 10+ year member]

And the only thing I slightly disagree with you Flip is in regards to mortgages. I would think they could buy very little time using that excuse since they are recorded in county offices.
But I could be wrong on a technicality somewhere since I am not very well versed in debt law.

you get foreclosed on...you get kicked out. No excuse, you don't pay, you're out. A lawyer can extend the time until this occurs, so you can rip everything out of the house, but you eventually leave.

 

[mokedaddy 5,000+ posts]

you get foreclosed on...you get kicked out. No excuse, you don't pay, you're out. A lawyer can extend the time until this occurs, so you can rip everything out of the house, but you eventually leave.

Yeah I was aware of that but it takes a good while to foreclose on a property. If you didnt come up with the money by then you probably werent going to be able to.

But thank you for backing me up. //content.invisioncic.com/y282845/emoticons/smile.gif.1ebc41e1811405b213edfc4622c41e27.gif