RE: What is the worst credit card companies can do if you default on your account and won't pay? (Full Version)

All Forums >> [Casual Banter] >> Off the Grid



Message


littlewonder -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/24/2013 6:04:06 PM)

Master has it and according to him, it's a god save. His cats have had some problems before and according to him the insurance is worth it. I would research it. It could be well worth your time.




Toppingfrmbottom -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/24/2013 6:43:54 PM)

I will look into it But, Ginger she had cancer and was dying from it, that was the only major health problem she had, Sparky had developed a heart murmer there about a year into the end of his life, and had the only really super major thing he had wrong was my dad accidentally poisoned him, and we had to take him to the doggie ER and have his stomache pumped, and it was 500 dollars. and the tests to find out why he was so sick there at the end of his life . Turns out he had a auto immune disorder that was turning his body against itself, and his kidneys were failing. Calley may, she's had chronic ear problems, itchy skin, needs an allergy test to find out why, and this latest incident, she has a cyst and a lump on her eye and her knee that needs to be taken off.

And as I mentioned before the dr suspects she's got a poss neuro disorder, and we need 4 x rays for that and then depending on what it finds the treatment from there.


The deaf boy I was considering adopting was deaf through medical neglect by his humans, and even now ages after the surgery got ear infections and had to have his ears cut back open and worked on. That will be a life long thing probably. But he was otherwise very healthy other than having seriously stinky ear flaps, and getting infections that required his ear flap surgery to be cut open.


They were very very healthy otherwise.
quote:

ORIGINAL: littlewonder

Master has it and according to him, it's a god save. His cats have had some problems before and according to him the insurance is worth it. I would research it. It could be well worth your time.





NuevaVida -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/24/2013 7:00:45 PM)

I have VPI Pet Insurance. They pay only a certain amount per incident, and it's not a lot. For what I pay monthly for it, it has not paid for itself.

And yet, I still have it, lol.




TheLilSquaw -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/24/2013 7:19:32 PM)

quote:

ORIGINAL: Toppingfrmbottom

Lat, I had a savibgs account but I had to start robbing it for bills, and vet care. It wasnt a fantastic amount, but even what it was better than a poke in the eye.


I am considering trying to get into the ssi*s work program too. It allows you a trial period of 9 months to see if you can work, and the program will let you keep your medical and other benifits. Ssi might be docked a bit in the program or it might not, I think you can make 100 dollars per pay check before docking ssi, and I really doubt id get a job that pays 1/0 a payday.



TFB,
The ticket to work program is a wonderful program.

I have pets, always have.
I would strongly suggest getting something like VPI pet insurance or something similar.
My monthly payment is very small, but it covers more than enough especially in ERs for me to keep it.
Like anything else, shop around.
Compare options, benefits, and cost.


As far as your credit cards.
I've never had credit cards.
I refuse to get them.
I don't want to risk drowning in credit card debt.
I do keep a sock though.
Where I put x amount of every check away.
Typically on a prepaid credit card. (again shop around)

My mother, got stuck with my dads HUGE credit card debt when he went to prison.
She was on SSD and SSI.
Rented an apt and had no property.
She had tons of health issues.
The credit card companies calls became harassing, she ended up getting a notice from her doctors that was filed through a legal aid attorney that bared the companies from contacting her via the phone.








LookieNoNookie -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/24/2013 7:26:38 PM)


quote:

ORIGINAL: Toppingfrmbottom

They'll call you a shit ton of times, and they'll sell your account to a debt collectors, but after that? what if it's been like 5 months and you won't answer your phone or talk to them?


They can kill you.

They have little microbiordial people that can find you....and kill you.




absolutchocolat -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/25/2013 1:32:04 AM)


quote:

ORIGINAL: Baroana

Honey, failing to pay a credit card IS breaching a contract. The creditor has a right to sue and obtain a judgment. They then have the right to collect that judgment. In my state, if not in every state, the creditor also has the right to subpoena the debtor for a deposition and/or written information. If the debtor fails to provide such information, the court WILL honor an application for a bench warrant.


I'm well aware of that -- however, a lot of these companies will threaten you with a lawsuit without actually filing. And how do I know this? I ducked BofA, Capital One, and scores of other creditors for four years. Yes, they have the right to sue, but in my neck of the woods, unless the amounts total in the tens of thousands, I hear that these places sell the debt over and over before litigation takes place.

Literally, filing bankruptcy last month, hundreds of us were on the docket for court and not a single creditor showed up for the meeting of creditors to contest, because we were all filing no asset Chapter 7 bankruptcies. That's the point I was trying to make.





Powergamz1 -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/25/2013 6:38:43 AM)

Seems like that is very typical.
quote:

ORIGINAL: absolutchocolat


quote:

ORIGINAL: Baroana

Honey, failing to pay a credit card IS breaching a contract. The creditor has a right to sue and obtain a judgment. They then have the right to collect that judgment. In my state, if not in every state, the creditor also has the right to subpoena the debtor for a deposition and/or written information. If the debtor fails to provide such information, the court WILL honor an application for a bench warrant.


I'm well aware of that -- however, a lot of these companies will threaten you with a lawsuit without actually filing. And how do I know this? I ducked BofA, Capital One, and scores of other creditors for four years. Yes, they have the right to sue, but in my neck of the woods, unless the amounts total in the tens of thousands, I hear that these places sell the debt over and over before litigation takes place.

Literally, filing bankruptcy last month, hundreds of us were on the docket for court and not a single creditor showed up for the meeting of creditors to contest, because we were all filing no asset Chapter 7 bankruptcies. That's the point I was trying to make.







Powergamz1 -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/25/2013 6:44:15 AM)

No kidding. Sort of like your post has absolutley no relevance to what I posted?

Maybe that's because I wasn't responding to the OP's 'situation', I was commenting on the question in the the OP title - 'What's the worst...?', and adding in commentary on a specific post about someone claiming to be 'judgement proof'?

Or did you simply not bother to read before rushing in with a load of nonsense?


quote:

ORIGINAL: MariaB

Powergram, your links have absolutely no relevance to the ops situation.
The first link is about small business. Small businesses have more and easier routes of collecting money owed to them. This was primarily put in place to protect the small business from going under. This can not be compared with individual borrowing from creditors.
The second link is about secured credit and not about unsecured credit. Again its not relevant.





Moonlightmaddnes -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/25/2013 7:22:19 AM)

I would pay them. I would not want the awful credit rating that comes with letting credit cards go. I think having good credit goes farther then having a high paying job since it seems everywhere we go our credit is run to see if whatever we want to get will even consider us a clients. When we moved to the next town over I was shocked at every time I called to get a different internet company to getting satellite TV our credit was run before they would agree to hook up service. I have seen my mom struggle after loosing her house to foreclosure. She makes more money then we do yet she is turned down constantly even for things like a phone.




rhymeswithcupid -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/25/2013 7:52:48 AM)

I understand having a big heart and wanting to save them all but has it occurred to you that you might be doing yourself and all these animals a favor if you were to hold off on taking in/adopting anymore until AFTER you reach a point where you can take care of yourself and them without being forced to use credit cards?

I'm really not trying to be ugly with this comment. When I was younger I had a similar problem. I'd take in so many strays because they always *needed* me and then they'd *need* health care. I found every possible justification for what I was doing. Your TOP priority needs to be YOU ... Otherwise, this cycle will never really end.

quote:

ORIGINAL: Toppingfrmbottom

I will look into it But, Ginger she had cancer and was dying from it, that was the only major health problem she had, Sparky had developed a heart murmer there about a year into the end of his life, and had the only really super major thing he had wrong was my dad accidentally poisoned him, and we had to take him to the doggie ER and have his stomache pumped, and it was 500 dollars. and the tests to find out why he was so sick there at the end of his life . Turns out he had a auto immune disorder that was turning his body against itself, and his kidneys were failing. Calley may, she's had chronic ear problems, itchy skin, needs an allergy test to find out why, and this latest incident, she has a cyst and a lump on her eye and her knee that needs to be taken off.

And as I mentioned before the dr suspects she's got a poss neuro disorder, and we need 4 x rays for that and then depending on what it finds the treatment from there.


The deaf boy I was considering adopting was deaf through medical neglect by his humans, and even now ages after the surgery got ear infections and had to have his ears cut back open and worked on. That will be a life long thing probably. But he was otherwise very healthy other than having seriously stinky ear flaps, and getting infections that required his ear flap surgery to be cut open.


They were very very healthy otherwise.
quote:

ORIGINAL: littlewonder

Master has it and according to him, it's a god save. His cats have had some problems before and according to him the insurance is worth it. I would research it. It could be well worth your time.







LafayetteLady -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/25/2013 8:19:27 AM)

In NJ, on a case like that, there was no contempt.  It is simply a default judgement in the Plaintiff's favor.




servantforuse -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/25/2013 8:22:34 AM)

She can't pay them. She has no job..




Missokyst -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/25/2013 9:14:54 AM)

This is true.
Most 3rd party companies are rip-offs. Go see a bankrupcy attorney. You will likely pay 50 for the first visit, and they will set up a payment plan to pay the lawyer handling it. My sister had to pay 300. And from that point of first visit on, the lawyers handle the calls.

quote:

ORIGINAL: servantforuse

Most of these '3rd party companies' are rip offs. The money you are paying them could be going to pay down the debt. You will end up paying for both.





Phoenixpower -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/25/2013 9:23:26 AM)

quote:

ORIGINAL: servantforuse

If you can't afford to use a credit card you shouldnt be using one. You owe the money and should do whats right and pay it back.


I can't read anywhere that she would not be able to afford one generally or that she does not want to pay it back... so I seriously miss your point, what your comment has to do with the topic itself....it might be newsflash to you but there can be times in many people's life when money can be a bit shorter than in other times....[8|] no matter how high or low your cashflow is...




TheLilSquaw -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/25/2013 9:26:59 AM)


quote:

ORIGINAL: LafayetteLady

In NJ, on a case like that, there was no contempt.  It is simply a default judgement in the Plaintiff's favor.


This is what happens typically in Ca and MD as well.




Phoenixpower -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/25/2013 9:50:43 AM)

quote:

ORIGINAL: NuevaVida


quote:

ORIGINAL: Toppingfrmbottom

I'm not asking for your sympathy nor do I want it, but I do recognize that you're probably asking so you can say something nasty, which you apparently love to do. So I am not telling you, or any one else how much the debt is or isn't, just so something nasty can be said.


You don't owe any of us an answer to how much you owe, and it's a bit of a forward question to ask.

I've been in credit card debt hell before, I understand how it can happen. I hope you guys can get out from under soon. Kudos to you for trying to do something about it.


Very well said NuevaVida [:)]

It can happen to anyone, no matter how much you earn and no matter how responsible you are.

It took me a fair amount of time as well to get out of my debts when I moved back to my country in 2011 and was first faced with all sorts of costs which I had to deal with at that time (stuff like getting a car again as well as a fair amount of moving costs and just starting pretty much on square one again building up my life again here which also meant getting basic stuff like furniture and kitchen utensils...due to not having much spare left at that time I funded my car with a credit card as well as a loan and paid both off by now and am glad about it as its awesome, not having to pay them anything)....2008 I was very debt free indeed....but sometimes life just takes a turn and all can get a bit shakey....anyhow, I am almost debt free now and also give Kudos to TFB and her partner for tryong to do something about it [:)] 





Toppingfrmbottom -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/25/2013 10:02:16 AM)

When Ginger died I was very no more dog till we're solvent actually, and I was thinking no dog for 3 or 4 years, but I've almost always had dogs and it was sad and depressing not to have that bond and that companion ship. Yes I even tried volunteering as much as I was allowed by the organization with local dogs and it just wasn't the same. It was like walking around with a physical part of me missing, I know how corny that sounds. It took me a year before getting another dog, not the 4 I was planning on lol. I originally started out with a foster dog, but ended up loving her so much.


Yes, I'd be way better off not having a pet of any kind until we could stand on our own two feet. The 3 dogs I have mentioned were stretched over many many years between dogs, Sparky was given to me when I was a child and he died when I was in the 25 year age range. Ginger was my daddy's moms dog, and when she had to move into a nursing home she went to Daddy, and then became our dog, cause we were dating and living together.


Even though that's completely true, I am happier with dogs and the "burdens" they bring than with out, and volunteering some place for a few hours a day doesn't match that joy.


Next time perhaps I'll find a long term foster who has no real prospects of adoption, because when you foster the organization pays for everything, their food, their vet bills, their meds, everything.


quote:

ORIGINAL: rhymeswithcupid

I understand having a big heart and wanting to save them all but has it occurred to you that you might be doing yourself and all these animals a favor if you were to hold off on taking in/adopting anymore until AFTER you reach a point where you can take care of yourself and them without being forced to use credit cards?

I'm really not trying to be ugly with this comment. When I was younger I had a similar problem. I'd take in so many strays because they always *needed* me and then they'd *need* health care. I found every possible justification for what I was doing. Your TOP priority needs to be YOU ... Otherwise, this cycle will never really end.

quote:

ORIGINAL: Toppingfrmbottom

I will look into it But, Ginger she had cancer and was dying from it, that was the only major health problem she had, Sparky had developed a heart murmer there about a year into the end of his life, and had the only really super major thing he had wrong was my dad accidentally poisoned him, and we had to take him to the doggie ER and have his stomache pumped, and it was 500 dollars. and the tests to find out why he was so sick there at the end of his life . Turns out he had a auto immune disorder that was turning his body against itself, and his kidneys were failing. Calley may, she's had chronic ear problems, itchy skin, needs an allergy test to find out why, and this latest incident, she has a cyst and a lump on her eye and her knee that needs to be taken off.

And as I mentioned before the dr suspects she's got a poss neuro disorder, and we need 4 x rays for that and then depending on what it finds the treatment from there.


The deaf boy I was considering adopting was deaf through medical neglect by his humans, and even now ages after the surgery got ear infections and had to have his ears cut back open and worked on. That will be a life long thing probably. But he was otherwise very healthy other than having seriously stinky ear flaps, and getting infections that required his ear flap surgery to be cut open.


They were very very healthy otherwise.
quote:

ORIGINAL: littlewonder

Master has it and according to him, it's a god save. His cats have had some problems before and according to him the insurance is worth it. I would research it. It could be well worth your time.





quote:

own over I was shocked at every time I called to get a different internet company to getting satellite TV our credit w




LafayetteLady -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/25/2013 12:30:53 PM)

quote:

ORIGINAL: Toppingfrmbottom

Next time perhaps I'll find a long term foster who has no real prospects of adoption, because when you foster the organization pays for everything, their food, their vet bills, their meds, everything.



That's probably the best idea for you.  You would get to have a loving four legged companion, but none of the expense.




littlewonder -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/25/2013 2:40:41 PM)

That was exactly my point earlier about your pets all having problems...you keep saying "yeah but they only had this, and they only had that, and he only has this which means he has to be put on medicines all the time or constant checkups, etc.....". eeeerr...dear, they all have problems. You don't take in healthy animals or it seems you take in animals that are lacking good healthcare to begin with that it's almost inevitable they will have something wrong with them. I've owned pets all my life and I've never had any that had any problems much at all. I can only remember one having a problem and it was a cat with a urinary infection and I had to get it taken care of.

You need to stop taking in animals until you can afford to do so. It makes me wonder that if you're struggling just to take care of yourselves, how are you affording to feed and care for the animals? I think you need to stop trying to be a mommy to pets and start to be a mommy to yourself and fix your life first.




Toppingfrmbottom -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/25/2013 3:12:16 PM)

I have enough money left over after my stuff is taken care of to buy a sack of food every month, and if we don't my dad buys Calley may a sack of food to tide us over. Often times I use a credit card or I over extend myself to pay the vet bills myself, Like this month, she cost me 133 dollars, and at the time I could afford it but now it's almost the end of the month and payday isn't till the first, I am hanging on my the skin of my teeth not to have no money or to be over drafted until pay day.


or if it's more than either of us can swing together, if it's absolutely necessary, I beg my dad to help.



quote:

ORIGINAL: littlewonder
. It makes me wonder that if you're struggling just to take care of yourselves, how are you affording to feed and care for the animals? I think you need to stop trying to be a mommy to pets and start to be a mommy to yourself and fix your life first.


quote:

d any problems much at all. I can only remember one having a problem and it was a cat with a urinary infection and I




Page: <<   < prev  3 4 [5] 6 7   next >   >>

Valid CSS!




Collarchat.com © 2025
Terms of Service Privacy Policy Spam Policy
0.0625