Dealing with collection agencies, ive come to realize the difference between the effective price (the price you pa up front) and the realized price (the actual price of the service). I've found it's significantly cheaper to collect a debt, wait until it gets to collection and force drop the price down through a discount, than it is to actually ... pay my bills properly. Now this has caused a bit of conundrum to me: tis goes completely against what i was ever taught. This is identical to how jews settle debts, except they use LLCs and bankruptcy laws more often to get away with never paying their creditors, but same difference.
But deep down, this shows me the debt is fake, the money is fake, the entire system is complete bullshit.
That will destroy your credit. Not terrible, unless you ever plan to buy a home or a car. The extra points they tack on for poor credit could cost you a few hundred grand on a 30 year mortgage.
I’ve never had a collection agency come after me. But somewhere, some deadbeat I never met or knew, has been using my phone number for fraud. About every 5 years, for the last 20 years, I’ll start getting collection calls looking for this cunt. I once tried to open an account at REI and my phone number was already being used for another account. It was the cunt, she uses my number for everything.
Collection agencies would apologize when I explained the situation, and say they would take my number off the list. Then call again a few days later, and this would go on for months. The callers always sound like niggers.
[ - ] NoRefunds 1 point 1 monthMar 26, 2024 13:24:09 ago (+1/-0)
My friend had to declare bankruptcy, he said he was amazed at the shit he was still allowed to keep, and they changed his motorcycle payments from $600 /mo to $100/mo no interest. And he said it dropped off his credit after 5 years and he bought a house. He was $80k in debt and got it cleared while keeping a lot of the stuff he bought with it.
My mom does this. She runs up cards because she’s a bit mentally I’ll when it comes to financial responsibility. Then she declares bankruptcy. They’re not allowed to take your car or house, if those two things are owned outright. They can take stock, bonds, art, jewelry, furs…but my mom doesn’t have any of that. I think it’s kind of niggerish. Me; I just spend responsibly and I’m fine. She can’t manage that.
No can do. I have a demo reel with my number at the beginning and end. Been using it for 15 years to get work. I made it with MovieMaker, which is now a dead editing program. It’s not as simple as changing my number. I’d have to subscribe to a new editing software and edit for about 24 hours to update the reel with the new number. I’d rather just tell the collectors to fuck off every half decade.
She had the number before it was given to me, 20 years ago. But she still uses it because she’s a grifter. She didn’t get it because she was looking to hire a cartoon animator and stumbled upon my reel. The cunt is a local.
No. I’m not sure it’s illegal to lie to people about your phone number. And I have no info to give the cops, I’ve never seen this bitch. All the people she defrauded probably informed the cops. Some guy called last week looking for her. Said the county had sued her and won, because she didn’t show up in court. No one can locate this woman, she must have lied about her address too. Sounds like a shit life.
Consider what the "poker chips" mean to those who run the casino, versus to those captivated by the casino. In this way, money is "social alchemy" for those that consent to it.
[ + ] PearofAnguishJuniorManager
[ - ] PearofAnguishJuniorManager 5 points 1 monthMar 26, 2024 10:28:05 ago (+5/-0)
I’ve never had a collection agency come after me. But somewhere, some deadbeat I never met or knew, has been using my phone number for fraud. About every 5 years, for the last 20 years, I’ll start getting collection calls looking for this cunt. I once tried to open an account at REI and my phone number was already being used for another account. It was the cunt, she uses my number for everything.
Collection agencies would apologize when I explained the situation, and say they would take my number off the list. Then call again a few days later, and this would go on for months. The callers always sound like niggers.
[ + ] NoRefunds
[ - ] NoRefunds 1 point 1 monthMar 26, 2024 13:24:09 ago (+1/-0)
[ + ] Merlynn
[ - ] Merlynn 1 point 1 monthMar 26, 2024 16:57:14 ago (+1/-0)
[ + ] PearofAnguishJuniorManager
[ - ] PearofAnguishJuniorManager 1 point 1 monthMar 26, 2024 18:13:13 ago (+1/-0)
[ + ] Merlynn
[ - ] Merlynn 1 point 1 monthMar 26, 2024 16:56:41 ago (+1/-0)
[ + ] PearofAnguishJuniorManager
[ - ] PearofAnguishJuniorManager 2 points 1 monthMar 26, 2024 18:06:57 ago (+2/-0)
[ + ] Merlynn
[ - ] Merlynn 1 point 1 monthMar 26, 2024 18:42:05 ago (+1/-0)
[ + ] PearofAnguishJuniorManager
[ - ] PearofAnguishJuniorManager 1 point 1 monthMar 26, 2024 20:02:01 ago (+1/-0)
[ + ] Merlynn
[ - ] Merlynn 0 points 1 monthMar 26, 2024 23:19:04 ago (+0/-0)
[ + ] PearofAnguishJuniorManager
[ - ] PearofAnguishJuniorManager 0 points 1 monthMar 27, 2024 02:56:36 ago (+0/-0)*
[ + ] Merlynn
[ - ] Merlynn 0 points 1 monthMar 27, 2024 23:21:39 ago (+0/-0)
[ + ] Cantaloupe
[ - ] Cantaloupe 4 points 1 monthMar 26, 2024 10:53:25 ago (+4/-0)
[ + ] drstrangergov
[ - ] drstrangergov 2 points 1 monthMar 26, 2024 11:57:00 ago (+2/-0)
[ + ] Peleg
[ - ] Peleg 1 point 1 monthMar 26, 2024 16:02:59 ago (+1/-0)
[ + ] Merlynn
[ - ] Merlynn 1 point 1 monthMar 26, 2024 16:57:40 ago (+1/-0)
[ + ] Dingo
[ - ] Dingo 2 points 1 monthMar 26, 2024 15:20:44 ago (+2/-0)
Consider what the "poker chips" mean to those who run the casino, versus to those captivated by the casino. In this way, money is "social alchemy" for those that consent to it.