Collarspace Discussion Forums


Home  Login  Search 

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


View related threads: (in this forum | in all forums)

Logged in as: Guest
 
All Forums >> [Casual Banter] >> Off the Grid >> RE: What is the worst credit card companies can do if you default on your account and won't pay? Page: <<   < prev  4 5 [6] 7 8   next >   >>
Login
Message << Older Topic   Newer Topic >>
RE: What is the worst credit card companies can do if y... - 1/25/2013 4:45:37 PM   
Toppingfrmbottom


Posts: 6528
Joined: 6/7/2009
Status: offline 		I talked to one of the creditors today and worked out a very reasonable deal to get us back to being current and then they said they have a settlement plan, they'll tell you how much of the original debt they'll settle and once you reach a number you have 15 days to pay them and then your accounts closed. Which is fine, the account closing.

_____________________________

One world under lube with vibrators and dildo's for all! quote from the sex toy 101 book

(in reply to Toppingfrmbottom)
Profile   Post #: 101
RE: What is the worst credit card companies can do if y... - 1/25/2013 6:11:12 PM   
littlewonder


Posts: 15659
Status: offline 		What about the careone company and the money you have given to them already? Do you have any idea what has been done to it or have you just lost all of that or what?


_____________________________

Nothing has changed
Everything has changed

(in reply to Toppingfrmbottom)
Profile   Post #: 102
RE: What is the worst credit card companies can do if y... - 1/25/2013 6:25:34 PM   
Toppingfrmbottom


Posts: 6528
Joined: 6/7/2009
Status: offline 		It's being used to make a settlement with one of the companies we owe. They're in the process right now of negotiating the bill down from what it is to 400. Daddy has 4-5 credit cards that are needing settled.


I also told Daddy that I expect him to call capital one and hscb and stuff and talk directly to them, if the other creditors will not lower things enough to make it manageable or work with us, that if careone has no better solution than ignore your creditors, we'll handle everything in the end, that we're canceling our service and going with someone else. We'll get an atterny or something if we have to, like someone suggested here. But that I refuse to let him continue ignoring the creditors on behalf of care ones advice .

I'll fight him tooth and nail on that if I have to. I've gone toe to toe with him and fought for something I knew should happen before and I'd do it again. I am sick of this,i want it done and over, and if we'd just talked to the company in the first place in october instead of going with care one we'd be well into the lets talk settlement catagory, and he owes even more now than he did because the company accessed late fee's every month we didn't pay under behest of care one.


quote:

ORIGINAL: littlewonder

What about the careone company and the money you have given to them already? Do you have any idea what has been done to it or have you just lost all of that or what?




< Message edited by Toppingfrmbottom -- 1/25/2013 6:33:28 PM >

_____________________________

One world under lube with vibrators and dildo's for all! quote from the sex toy 101 book

(in reply to littlewonder)
Profile   Post #: 103
RE: What is the worst credit card companies can do if y... - 1/25/2013 6:37:14 PM   
littlewonder


Posts: 15659
Status: offline 		You need to let CareOne know this then so they don't start calling these other cards that you have already started negotiations with and then fuck you over or mess up your plans with them.


_____________________________

Nothing has changed
Everything has changed

(in reply to Toppingfrmbottom)
Profile   Post #: 104
RE: What is the worst credit card companies can do if y... - 1/25/2013 6:42:05 PM   
Toppingfrmbottom


Posts: 6528
Joined: 6/7/2009
Status: offline 		The companies won't speak to care one. Care one sent a letter saying we had given them power of atterny, but Orchard bank at least rejected it because the letter was not notarized, as as long as nothing's been notarized they will not talk to care one.


Capital one's told me that they will not talk to care one , they're not allowed to on a few different calls and Orchard bank has told me that too.

But what could they do to mess up our plans to drop them and handle things differently?
quote:

ORIGINAL: littlewonder

You need to let CareOne know this then so they don't start calling these other cards that you have already started negotiations with and then fuck you over or mess up your plans with them.




< Message edited by Toppingfrmbottom -- 1/25/2013 6:47:16 PM >

_____________________________

One world under lube with vibrators and dildo's for all! quote from the sex toy 101 book

(in reply to littlewonder)
Profile   Post #: 105
RE: What is the worst credit card companies can do if y... - 1/25/2013 6:52:39 PM   
littlewonder


Posts: 15659
Status: offline 		They could. Do you want to take that chance when all you have to do is make a simple call to CareOne??


_____________________________

Nothing has changed
Everything has changed

(in reply to Toppingfrmbottom)
Profile   Post #: 106
RE: What is the worst credit card companies can do if y... - 1/25/2013 6:57:35 PM   
Toppingfrmbottom


Posts: 6528
Joined: 6/7/2009
Status: offline 		No, we'll make the call. most certainly.
quote:

ORIGINAL: littlewonder

They could. Do you want to take that chance when all you have to do is make a simple call to CareOne??




_____________________________

One world under lube with vibrators and dildo's for all! quote from the sex toy 101 book

(in reply to littlewonder)
Profile   Post #: 107
RE: What is the worst credit card companies can do if y... - 1/25/2013 8:44:17 PM   
servantforuse


Posts: 6363
Joined: 3/8/2006
Status: offline 		One of the creditors ? How about all of the others ?

(in reply to Toppingfrmbottom)
Profile   Post #: 108
RE: What is the worst credit card companies can do if y... - 1/25/2013 9:27:37 PM   
servantforuse


Posts: 6363
Joined: 3/8/2006
Status: offline 		TFB has no job. She has no way to pay this debt that she racked up on her 'daddys' credit cards.

(in reply to Phoenixpower)
Profile   Post #: 109
RE: What is the worst credit card companies can do if y... - 1/25/2013 9:48:01 PM   
Toppingfrmbottom


Posts: 6528
Joined: 6/7/2009
Status: offline 		No job does not mean no money. Since you keep mentiong that I have no job, thus no money every chance you get, its apparent you need to be corrected of the wrong info you keeperroniously posting.


I have money, im on ssi. I get a paycheck every month. And its not massive, but its not pitiful either.


And hes the one that ran it all up, for the most part. Not me.
quote:

ORIGINAL: servantforuse

TFB has no job. She has no way to pay this debt that she racked up on her 'daddys' credit cards.


_____________________________

One world under lube with vibrators and dildo's for all! quote from the sex toy 101 book

(in reply to servantforuse)
Profile   Post #: 110
RE: What is the worst credit card companies can do if y... - 1/25/2013 10:03:30 PM   
LafayetteLady


Posts: 7683
Joined: 5/2/2007
From: Northern New Jersey
Status: offline
quote:

ORIGINAL: servantforuse

TFB has no job. She has no way to pay this debt that she racked up on her 'daddys' credit cards.


Why do you instantly assume that because she is the bottom and trying to fix the problem, she must have created it? Why do you continue to do so after it has been explained pretty clearly?

Honestly, you have been here since '06, I'm sure you have seen TFB's posts in the past and are more aware of the situation. Obviously, you can post in any thread you want, but if you really can't manage to say anything helpful, but instead think she is a good target for your unresolved anger, go to fet life. I heard they like the whole "be an asshat at all costs" type of people.

(in reply to servantforuse)
Profile   Post #: 111
RE: What is the worst credit card companies can do if y... - 1/25/2013 10:13:45 PM   
Toppingfrmbottom


Posts: 6528
Joined: 6/7/2009
Status: offline 		And no sfu I will.not tell u how much I make. Itsnone of your biz.

_____________________________

One world under lube with vibrators and dildo's for all! quote from the sex toy 101 book

(in reply to LafayetteLady)
Profile   Post #: 112
RE: What is the worst credit card companies can do if y... - 1/26/2013 3:19:32 AM   
MariaB


Posts: 2969
Joined: 4/3/2007
Status: offline 		Toppingfrmbottom: I strongly suggest you take a look at this http://debtprison.net/wordpress/134/tell-debt-settlement-cos-to-kiss-your-ass/
Its the shocking truth about settlement companies and the lies they are prepared to tell to get you on board.
And this one http://debtprison.net/wordpress/246/restrictions-on-wage-garnishment-for-debt-collection/ is about how they can not garnish a minimum wage.

(in reply to Toppingfrmbottom)
Profile   Post #: 113
RE: What is the worst credit card companies can do if y... - 1/26/2013 5:31:14 AM   
TheLilSquaw


Posts: 2340
Joined: 10/24/2012
From: Middle River, MD
Status: offline
quote:

ORIGINAL: Toppingfrmbottom

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.



As a responsible pet owner this post bugged me because the ONLY care an animal needs is not a sack of food. If you can not afford the preventive care, health cost, shots, or food on your own you frankly have no business owning an animal. Owning a pet is a commitment an expensive one. By taking in animals before you are financially able is only doing you, your household, and the animal a huge disservice IMO. If you have a pet and you can't financially give it proper care without it putting you and your household in a place where you can't survive the rest of the month find someone that can, IMO that is the responsible thing to do. Not only for you but the animal.




< Message edited by TheLilSquaw -- 1/26/2013 5:32:21 AM >

_____________________________

LilSquaw
Lifestyle & ProSwitch
Fetish Model, Producer, and Website Owner

http://www.clips4sale.com/69201
http://www.kinkbomb.com/studio/Sadistic_Babygirl_

(in reply to Toppingfrmbottom)
Profile   Post #: 114
RE: What is the worst credit card companies can do if y... - 1/26/2013 6:38:45 AM   
ShaharThorne


Posts: 11071
Joined: 2/24/2009
From: Somewhere in TX
Status: offline 		I mailed off the last payment to a debt collector yesterday. My mother is happy that I took care of it. Usually I am on my last legs of my SSI at this time of the month but my daughter got her grants in from college and I have been purchasing her books and cellphone airtime for her (I used ebay and Half.com to get her books). She paid me back after getting her tuition paid off and got herself a new laptop computer.

I recommend not to get any more pets. I know it is hard, especially with the sick ones, but you need to take care of yourself first and foremost and that includes the bills.

_____________________________

Goddess of Yarn

You are making two and a half feet of irresistible, tubular sex! -Lola, Kinky Boots

Founder: Bitch with Tits

Whip me, beat me, make me feel cheap and have great sex

(in reply to TheLilSquaw)
Profile   Post #: 115
RE: What is the worst credit card companies can do if y... - 1/26/2013 6:56:50 AM   
Phoenixpower


Posts: 8098
Status: offline
quote:

ORIGINAL: LafayetteLady


quote:

ORIGINAL: servantforuse

TFB has no job. She has no way to pay this debt that she racked up on her 'daddys' credit cards.


Why do you instantly assume that because she is the bottom and trying to fix the problem, she must have created it? Why do you continue to do so after it has been explained pretty clearly?

Honestly, you have been here since '06, I'm sure you have seen TFB's posts in the past and are more aware of the situation. Obviously, you can post in any thread you want, but if you really can't manage to say anything helpful, but instead think she is a good target for your unresolved anger, go to fet life. I heard they like the whole "be an asshat at all costs" type of people.


Well said LafayetteLady

Always funny how some folks like to pretend being smart but are obviously not being able to understand that their lame attempts are not gonna work here  no matter how often the got it told here  


_____________________________

RIP 08-09-07

The PAST is history, the FUTURE a mystery, NOW is a gift - that's why it's called the PRESENT

www.butyoudontlooksick.com/navigation/BYDLS-TheSpoonTheory.pdf

(in reply to LafayetteLady)
Profile   Post #: 116
RE: What is the worst credit card companies can do if y... - 1/26/2013 7:10:15 AM   
rhymeswithcupid


Posts: 52
Joined: 6/2/2012
Status: offline
quote:

ORIGINAL: TheLilSquaw

quote:

ORIGINAL: Toppingfrmbottom

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.



As a responsible pet owner this post bugged me because the ONLY care an animal needs is not a sack of food. If you can not afford the preventive care, health cost, shots, or food on your own you frankly have no business owning an animal. Owning a pet is a commitment an expensive one. By taking in animals before you are financially able is only doing you, your household, and the animal a huge disservice IMO. If you have a pet and you can't financially give it proper care without it putting you and your household in a place where you can't survive the rest of the month find someone that can, IMO that is the responsible thing to do. Not only for you but the animal.





Unfortunately, TFB you cannot afford your pets *because* by the end of the month you're getting by on the skin of your teeth. I was raised on SSI so I'm very aware of the limited income situation. You get a specific amount once a month and you've got to make that last until the next check comes in. Just because you have the money at the beginning of the month doesn't mean you can afford to spend it.


_____________________________

puppy girl ღ

I am good, but I'm not an angel. I do sin, but I am not the devil. I am just a small pup in a big world trying to find someone to love. ^.^

Got my profile back! (aka inumini)

(in reply to TheLilSquaw)
Profile   Post #: 117
RE: What is the worst credit card companies can do if y... - 1/26/2013 7:49:10 AM   
Toppingfrmbottom


Posts: 6528
Joined: 6/7/2009
Status: offline 		Bingo Rymeswith cupid. I had planned everything out on paper, andi would have been ok til payday, specially because Daddy owed me a bit of cash for his half of a bill, but getting paid back fell through. The company he works for changed hands and a py check wont be coming till feb, unlike it normally would have on the 25.

_____________________________

One world under lube with vibrators and dildo's for all! quote from the sex toy 101 book

(in reply to rhymeswithcupid)
Profile   Post #: 118
RE: What is the worst credit card companies can do if y... - 1/26/2013 10:42:51 AM   
calamitysandra


Posts: 1682
Joined: 3/17/2006
Status: offline
quote:

ORIGINAL: servantforuse

TFB has no job. She has no way to pay this debt that she racked up on her 'daddys' credit cards.



You know what, to me, is the core difference between TFB and you?
Not that she is unemployed and in debt, not that she often does not make the best choices, not that she might be a bit annoying from time to time, but that when it comes down to it, she tries to be a nice, decent human being, while you often exhibit a nasty, mean spirit.
I would take a day with her over one with you any time.


I understand those of you who have counselled her to place her dog in a different home, I once would have done the same. However, my view has changed a bit.
If you look at what we have come to know about TFB over the past years, then I believe that she needs that dog, especially the companionship and unconditional love it provides for her. Giving her a responsibility is a additional bonus.
The dog is fed, even if it might not be the quality of food that I would choose, and its health needs are seen to, be it via credit card or with the help of family.
If I weight that against what the dog provides for her, I come out in favour of her owning it.



TFB, good for you that you are getting proactive with your finances, and are getting your Daddy to do the same.
Over in Admit you talked about cleaning and reorganizing, and you seem to be working on your eating and drinking habits as well.
That is great, you are on a roll. Now, keep the momentum, and remember, all those big changes can be broken down into small steps.

< Message edited by calamitysandra -- 1/26/2013 10:45:23 AM >

_____________________________

"Whenever people are laughing, they are generally not killing one another"
Alan Alda


(in reply to servantforuse)
Profile   Post #: 119
RE: What is the worst credit card companies can do if y... - 1/26/2013 11:46:36 AM   
Level


Posts: 25145
Joined: 3/3/2006
Status: offline 		I'd give Sandra a kiss on the cheek if I could.

_____________________________

Fake the heat and scratch the itch
Skinned up knees and salty lips
Let go it's harder holding on
One more trip and I'll be gone

~~ Stone Temple Pilots

(in reply to calamitysandra)
Profile   Post #: 120
Page:   <<   < prev  4 5 [6] 7 8   next >   >>
All Forums >> [Casual Banter] >> Off the Grid >> RE: What is the worst credit card companies can do if you default on your account and won't pay? Page: <<   < prev  4 5 [6] 7 8   next >   >>
Jump to:





New Messages No New Messages
Hot Topic w/ New Messages Hot Topic w/o New Messages
Locked w/ New Messages Locked w/o New Messages
 Post New Thread
 Reply to Message
 Post New Poll
 Submit Vote
 Delete My Own Post
 Delete My Own Thread
 Rate Posts




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

0.109