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good ol creditors calling

HAYEZ

HAYEZ

Crack Peddler
Platinum
these guys are good at there jobs...gonna file bankruptcy right now..havent paid any bills this month..i get calls all day long from 8am till 9pm everyday..i had 10 missed calls from 8-9am this morning..lolol

mothers day they figured eveyone be home so they blew my shit up...

(hahahah one just called me as i type)


whocallsme.com type int he number will tell you what creditor it is...


TrapCall - Unmask Blocked Calls you can blacklist callers so when you hit ignore the message tells them ur phone is out of service

im now in hiding until the creditors leave me alone

and for the wise asses that will say pay ur bills i just got divorced job fell apart 3 moinths ago and havent made more then 600 dollars in 3 months..being self employed you get no assitance...looks like i should of never worked packed the house full of crib midgets and got me some welfare!! could of been lving it up now!
 
Sorry to hear that man but happens sometimes..

it's no big deal, you can re establish and buy a home in 2 yrs..

if your income recovers.. Good luck in your coming pain..
 
SpyWizard said:
Sorry to hear that man but happens sometimes..

it's no big deal, you can re establish and buy a home in 2 yrs..

if your income recovers.. Good luck in your coming pain..
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ya im not to worried about it.. owning shit is over rated..hahah jobs been busy this past week so hopefully thigns turn aournd... fuck my credit tho..im over it
 
bino said:
caller id musta really hurt credit bros pretty hard
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def sucks for them..i have every creditor saved into my phone..just hit igfnore all day..they dont leave messages so its easy
 
another one just called as i type...gonna answer soon asn tell them i spent there money on heroin
 
Lately I've been getting telemarketers calling from private numbers. Thought that shit was illegal? Where's cw to defend telemarketers again? They should all be shot!
 
Bor you need to borrow some cash? Not that Ill loan you any, but Ill at least ask around.
 
75th said:
Bor you need to borrow some cash? Not that Ill loan you any, but Ill at least ask around.
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good lookin out bro...its cool ill just pull my station wagon into your driveway and stay there
 
HAYEZ said:
good lookin out bro...its cool ill just pull my station wagon into your driveway and stay there
Click to expand...

I live in a condo. We have handicap spaces that are never used, though. Feel free.



Buseys.gif
 
I called and complained to my doctor's billing service. They started sending out threatening letters two weeks after the original bill went out, once a week. The "we don't want to have to send this out for collection..." letter. I spoke to a supervisor, who said she was going to walk over and read someone the riot act as soon as she hung up, that she had been getting numerous similar complaints.
 
Just pretend you're a rich old white man with a suit working on wall st. Then send them a letter:

"Due to unforeseen and challenging conditions in today's economic climate, I am unfortunately unable to service my debt. Instead I am reorganizing my finances and business operations to come out stronger and healthier for the future. Thank you for your time".

Credit is how the elites control the middle class of this country. They don't want you to know this. Say fuck debt.

r
 
All you schmucks with poor credit should have voip phones. Not only are you unlisted by default but you can filter specific numbers to go so straight to voicemail or be blocked altogether.
 
Dial_tone said:
All you schmucks with poor credit should have voip phones. Not only are you unlisted by default but you can filter specific numbers to go so straight to voicemail or be blocked altogether.
Click to expand...

FTW. If u got blocking friends, tell them to stop blocking their #'s then.

r
 
Fuck it dont pay em shit. Im so pissed at my CC comps. I pay my shit on time every month and they are raising my rates because the law allows them to at this moment so that they dont take an overall loss. Every time I pay down, they lower my credit limit. Fuck creditors, I hate those motherfuckers. YOu cant even catch a break if you pay your bills like you're supposed to, so fuck it, it makes me not wanna pay them either. bastards.

I will swear off credit cards once I get them paid off.
 
1500 said:
Fuck it dont pay em shit. Im so pissed at my CC comps. I pay my shit on time every month and they are raising my rates because the law allows them to at this moment so that they dont take an overall loss. Every time I pay down, they lower my credit limit. Fuck creditors, I hate those motherfuckers. YOu cant even catch a break if you pay your bills like you're supposed to, so fuck it, it makes me not wanna pay them either. bastards.

I will swear off credit cards once I get them paid off.
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yup..i have a citi account with a 12500 limit..i started researchin onlne about it and everyone was saying they were getting there limits slashed every time they paid the card lower..fucking crazy..at this point i dont care about credit..i sure as hell dont want a house and i have a new car so fuck it im good for 5 years
 
heavy_duty said:
I downloaded black and white list for my blackberry so the collectors go straight to voice mail:evil:
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nowadays creditors use robo-dialing to flood people's voice mails. and use overseas #'s to get past forwarding. Only chaning a number works. Also complain to ftc, if people don[t complain - govt agencies will do dick. Do not call lists have no power over creditors (you can write 'do not call anymoer' letters to them, but not sure if it ever works).

remember: creditors make most of their $ by 1) threats and 2) making ur life a living hell through annoyances. Esp 3rd party credit agencies that buy the debt and have nothing to lose.

"say no to debt".

r
 
The surest way to stop debt collectors from calling you is by sending what is known as a cease and desist letter.

Stop Debt Collection Calls - How To Stop Debt Collectors From Calling

When you send the cease and desist letter to the debt collector, send it via certified mail with return receipt requested. This will provide proof that the letter was sent and received. If the debt collector communicates with you beyond the single instance allowed by law, this evidence will allow you to seek punitive action against the debt collector.
 
As soon as I hear a voice mail telling me to call Mr or Mrs I delete the fucker. I am not calling anybody who does not leave their first name LOL but has the nuts to call me by my first name :)
 
Good advice house!! Hahhahaha
PIck I'm a indeendent contractor I don't get a pay check! I'm on the honor system hahahahahaha childsupport I even have to pay myself they can't deduct it :)
 
Just find someone with the same name in the phonebook and tell them they have the wrong guy.
 
HAYEZ said:
PIck I'm a indeendent contractor I don't get a pay check! I'm on the honor system hahahahahaha childsupport I even have to pay myself they can't deduct it :)
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Wage garnishment is only one way mechanism to enforce a judgement.

My advise is not to re-age the debt by dealing with collectors.

In Louisiana there is no legal recourse to collect on an unsecured debt (typical credit cards) 3 years after default.

Check on your state for open revolving unsecured accounts
Statute of limitations on debt collection
 
You gain NOTHING. I repeat NOTHING by paying off a 3rd party collection agency. Most won't even put a mark on your cr that it's paid. If they do, it's went into collections, paid. Which won't do ANYHTHIGN to your credit score. So you get these stupid americans (notice a trend) that pay thousands to an "agency" which is just 5 people working out of someone's house - thousands just to stop them from harassing them. hahaha. Incredible.

Do corporations get creditors harassing them? And Wall St gets off from paying TRILLIONS in bills. Which makes your debts PENNIES compared to what Wall ST fucks over their creditors. And on top of that, they get TRILLIONS of your tax payers from King Obama to boot!

Credit is what big business uses to CONTROL the middle class. Ever wonder why it's a negative connation from consumers not paying their bills, but none for businesses? In fact NOT paying their bills is known as "financial reorganization to become stronger for the future. Stocks Rise!"

SAY NO TO DEBT. I've said tihs a gazillion times.

r
 
Razorguns said:
You gain NOTHING. I repeat NOTHING by paying off a 3rd party collection agency.
Click to expand...

Agreed ... there's no positive outcum possible by dealing with a collector. When you send in a portion of the debt you re-age the debt starting the clock over again. When you acknowledge the debt you just provide ammunition for your opponent. It's their burden of proof to ensure the debut is legit.

Send a registered cease and desist letter stating that you will only deal with the original debt holder.
 
I'm nervous myself being self employed. Shit has slowed up so much, its crazy. I used to bid 10 jobs a week now I bid 2 or 3 every 2 weeks. Good luck to you my friend
 
PICK3 said:
Agreed ... there's no positive outcum possible by dealing with a collector. When you send in a portion of the debt you re-age the debt starting the clock over again. When you acknowledge the debt you just provide ammunition for your opponent. It's their burden of proof to ensure the debut is legit.

Send a registered cease and desist letter stating that you will only deal with the original debt holder.
Click to expand...

The laws from the FTC are very clear:

1) Send letter requesting proof you owe the money. Register, have to deliver within 30 days.

2) If they miss 30 days. Not valid. Keep a computer file on the dates and keep registered mail ticket.

3) If they reply and the proof is lousy, send another letter: saying proof is not valid, and to cease and desist ALL contact.

4) Even if the proof is correct - send a registered letter, demanding cease and desist all communication.

Never ansewr the phone. Never send a letter. If they bug your friends/workers - tell them you were a victim a of id theft and it's not your problem and to tell those collectors to gft.

Their only power is harassing you. And the majority who pay, are the ones who get scared or annoyed of being harassed. That's how they make 99% of their money. They have no legal powers whatsoever and not even financially worth it for them.

Remember: the money you owe has ALREADY been written off by the original company. Payment now means nothing except pure profit to some guy in a office above a donut shop.

r
 
Razorguns said:
Never ansewr the phone
Click to expand...


When I was young and got in cc trouble I'd answer the phone and tell them I only deal with the original creditor after I’d jerk them around and put them on hold for awhile (time is money for collectors … the more calls they can make the better chance they have of finding a fool to make a partial payment … and restart the clock).

After the 3 year point I would ask them when the date of the last activity on the "alleged" account. When they would say a date that surpassed 3 years I would thank them for confirming that the debt was antiquated.
 
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