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

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

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calamitysandra -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/26/2013 12:35:11 PM)
Where is a blushing smiley when I need it?

Level -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/26/2013 12:59:41 PM)
[8D]

LafayetteLady -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/26/2013 1:31:41 PM)
quote: ORIGINAL: calamitysandra 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. I know TFB didn't need our help defending her, but like you, I couldn't keep from doing it. As you said, underneath everything, she is a very sweet, young lady, with a good heart. What made me angry is that servantforuse isn't a newbie who is unfamiliar with her and doesn't know better. It was just easier to be a jerk because someone apparently pissed in their Wheaties and they need to take it out on someone. I also agree with you regarding her need for the dog. I think it greatly improves her quality of life. However, after Callymay is gone, I think her idea of long term fostering is a better option for her, given that all the dogs needs are paid for, yet she still gets the companionship and love. And for those who think that there is no "community" here....well, given how so many will virtually jump to the aid of another, whether it be in defense, offering words of encouragement in tough times, or strongly suggesting that a well liked regular posted might need to get some help, to me that is what a community does.

Toppingfrmbottom -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/26/2013 1:35:21 PM)
Sandra, her quality of food is quite a lot better than one might assume, and certainly better than Ginger or Sparky ever got, because I am better aware just how crappy brands like ol roy and kibbles and bits are now than I was then. My dad is always saying why don't I just go to walmart and get her a 17 dollar bag of old roy, instead of the 30 dollars for chicken soup for the senior soul, that old roy was a family stand by for sparky and it was good enough for him. And then I counter with, actually, no. Ol roy is not a proper quality of dog food and nobody should be feeding it to their dog. She was getting nature select, and it was very high quality according to their company and the rescue she was from uses it, and then when I couldn't justify 60 dollars for a bag, even though it lasted a long time, I went to chicken soup for the senior soul, and there's no corn, no wheat, no soy, no biproducts, no chemical fillers. No animal waste products, and it is formulated for a senior large breed! Yes, I have been cleaning my house, my storage, I been getting rid of crap I don't need, working hard on my finances, working hard on trying to get Daddy's in a better place. It's a slow and tedious struggle, but it is getting done!

calamitysandra -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/26/2013 1:43:47 PM)
You are right, TFB, I should not have assumed. That food does sound quite nice. quote: ORIGINAL: LafayetteLady I know TFB didn't need our help defending her, but like you, I couldn't keep from doing it. As you said, underneath everything, she is a very sweet, young lady, with a good heart. What made me angry is that servantforuse isn't a newbie who is unfamiliar with her and doesn't know better. It was just easier to be a jerk because someone apparently pissed in their Wheaties and they need to take it out on someone. I also agree with you regarding her need for the dog. I think it greatly improves her quality of life. However, after Callymay is gone, I think her idea of long term fostering is a better option for her, given that all the dogs needs are paid for, yet she still gets the companionship and love. And for those who think that there is no "community" here....well, given how so many will virtually jump to the aid of another, whether it be in defense, offering words of encouragement in tough times, or strongly suggesting that a well liked regular posted might need to get some help, to me that is what a community does. Well said.

Toppingfrmbottom -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/26/2013 1:50:36 PM)
Sandra and LL Are right. I do need my dog, I'm virtually a shut in, I spend all day every day alone till DAddy gets home, no friends, no social activities, no job, no contact with very many people outside my family, I am socially awkward, so I do not know how to fit in in most situations, I can easily alienate people on accident, have done so many times and not known how or why, and My dogs have given me a link to the outside world, and I can be with them and not offend them with some dumb misstep I took.

Toppingfrmbottom -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/26/2013 2:20:31 PM)
I know I can be annoying and scatter brained and sometimes I ask for help and don't listen, or I do not make the best choices and wonder why then sometimes things have bit me in the ass, But I do want to thank those individuals who continue to offer support and friendship and an ear or a sounding board or a simple kick in the pants, or advice I know in my heart but I can't tell myself for me over the years. I really do appreciate it. And a lot of the times I really do listen.

Aynne88 -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/26/2013 3:35:55 PM)
quote: ORIGINAL: Toppingfrmbottom Yup. That's the program I'd go through. And yes I'd only pay my bills, and help out with some house hold things like groceries and gas for when he takes me around. the rest would be saved. quote: ORIGINAL: LafayetteLady If you do try to get a job TFB, use the "Ticket to Work" program. Also, only pay towards those credit cards any charges that are yours. Take the rest of your income from that job and put it away for things like emergency vet care. They can go to the courthouse in your county and get a default judgement, and if their is a disclosure hearing and you don't show, you can and will be arrested. I worked in the clerk of courts office and believe me, it happens. The compress server or sheriff will come to your house with the disclosure hearing papers listing what you need to bring and I have seen them for amounts as low as 300 dollars. No show, and a warrant for arrest is issued.

Aynne88 -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/26/2013 3:37:17 PM)
quote: ORIGINAL: littlewonder quote: And ignoring a judgement won't get you arrested for "contempt of court." A creditor has to really go out of their way to try to make this happen. There was a case recently, somewhere in the midwest I believe, and I believe it was overturned. Actually, yes they can. It's not the cc company that sends out the arrest warrant. It's the judge. I had to sit in on cases for the judges, type them up and take them to the sheriff's office every single day. ETA: The sheriff sometimes made arrests where I worked but most times they would be brought before the judge and payment arrangements would be made. But if it could not be heard in front of a judge that same day, well you sat in jail for a night or weekend. Once someone was arrested, the copy of the arrest record was sent to our office where it was entered into the system. And I think one of the smallest judgments I can remember entering into our system was around $500 I think from a Wells Fargo bank or affiliate. They seemed to be one of most regular collectors. little wonder is absolutely correct.

Aynne88 -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/26/2013 3:44:24 PM)
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. We've had this discussion before with her. You are so right Lil Squaw, but it will fall on deaf ears or be met with a zillion excuses. [8\|]

Toppingfrmbottom -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/26/2013 3:50:05 PM)
I will not get rid of Calley may. IS that better, no excuses just deaf ears. Because I may not always be able to provide for every one right away, but I am providing and yes it's a stress to me to do so, but Calley is staying with me till she dies. And then I'll see about a permanent foster or something , so the vet bills won't be my responsibility. quote: ORIGINAL: Aynne88 We've had this discussion before with her. You are so right Lil Squaw, but it will fall on deaf ears or be met with a zillion excuses. [8\|]

YourBigDaddy67 -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/26/2013 3:59:58 PM)
Ok, Ok, I am coming late to this party I know but I can speak on this. Credit Card companies can't do jack shit to you if you default. Yes they will call you, yes they will send you nasty letters but ultimatly they won't do shit. Yes they might send nasty letters to the credit reporting agencies, which might screw up your credit score but that's about it. Find out what your state's Statue of Limitations is on unsecured credit. South Carolina's is 3 years, federally its seven years I had a citibank visa that my ex wife took out in my name. We maxed it out, then she lost her job and I lost mine. Time passed, we got letters, we got nasty calls, we changed out phone number, made it unlisted, They stopped calling us. More time passed, we got a divorce, I went to a cell phone pre paid, no one has the number or can get the number. Why because its not registered in my name. That original card was taken out in 2001 its now 2013. I have long since passed state and federal statutes. Heck, its not even on my credit record any more. Yesterday I got a letter from a Zombie Credit agency offering to help me clear my record (LIE) for $247.00 the original credit card was for $1150.00. Is anyone stupid enough to think I am going to pay $247.00 on a 13 year old debit, that the statue of limitations ran out years ago on?? If I paid, the $240 then that would be legally admitting that the debit was valid, they could then sell the rest of the debit to another Zombie agency who would then try to collect the money and the process would start all over again.

Level -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/26/2013 4:25:31 PM)
http://www.occourts.org/self-help/civil/payingfaiingtopaythejudgment.html Some info pertaining to California law, tfb.

servantforuse -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/26/2013 5:18:26 PM)
I am very familiar with tfb on this forum. She is always looking for an easy way out. She wants to lose weight but buys cases of soda and frozen pizzas. She wants a job but won't go to a class to improve herself. She wants to excersize but says she can't walk around the block. She even wanted someone to clean her house once. In her mind once it was clean she would then keep it clean (not happening). Now they have thousands in credit card debt and she starts another thread about detailing her 'daddys' car. My posts might seem on the harsh side but I am trying to get though to her. I now know that I never will..She doesn't get it and she never will..

TheLilSquaw -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/26/2013 5:39:52 PM)
quote: ORIGINAL: Aynne88 We've had this discussion before with her. You are so right Lil Squaw, but it will fall on deaf ears or be met with a zillion excuses. [8\|] Oh, I know but that doesn't mean I am going to bite my tongue or pat her on the head and tell her what she wants to hear. BTW..... TFB.. the rescues that foster out animals do have qualifications that a fostering family have to meet.

Toppingfrmbottom -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/26/2013 5:49:04 PM)
I messed up the quote tags.

Toppingfrmbottom -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/26/2013 5:57:39 PM)
Yes, and you know then as well as I do, because I've told you, that I'm not the one buying cases of Soda, I don't even drink soda. They're my bf's HE buys them and yet, you keep trying to insist it's me buying them and drinking them. Does it some how put all the calories sugar and fat on me that he buys things I do not partake in at all, cause I certainly hope not, cause that'd be an amazing and awful feat. And you know as well as I do that I have money despite not having a job , and yet you keep insisting in every thread you get a chance to, that I have no job there for no money. Or to get a job and I'd have money to do things like fix my pc, which by the way, my dad fixed for me at home, and it didn't need to go to the shop. Yet again you know as well as I do that the debt my partner's in is largely all his doing and you keep saying things like she has no money to pay back the money she racked up in her daddy's name. So you either mean not very much money, or you enjoy posting inaccurate in correct things. because you know that all the statements you're making are false and not true. quote: ORIGINAL: servantforuse I am very familiar with tfb on this forum. She is always looking for an easy way out. She wants to lose weight but buys cases of soda

littlewonder -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/26/2013 6:03:57 PM)
quote: Credit Card companies can't do jack shit to you if you default. Yes they will call you, yes they will send you nasty letters but ultimatly they won't do shit. Wow. You couldn't be more wrong. Go back and read the entire thread and read what both myself and Aynne and a few others have had to say who have direct experience with this.

Toppingfrmbottom -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/26/2013 6:04:58 PM)
I fostered Calley may and I fostered another dog Bones. The only thing the place that I got Calley and Bones from cared about was that my home was suitably fenced and I had my parents permission, since I still live with them. And that I would not mistreat them, and I'd speak up when there was an issue and let them know and they'd take care of it. And in Bone's case was I going to be home often enough to keep him from freaking out because he has separation anxiety and can not handle a family who's totally gone more than rarely. They also wanted to know if I understood the dangers he'd be in if he got loose, and to not ever let him be in a situation un attended where he could jump a fence or climb it* and yes this dog climbed an 8 foot fence at the rescue he'd have no prob climbing a 4 foot* because he was deaf he could not hear the threats coming. Oh and I forgot to mention I had to promise that I would take neither dog to a dog park, and I had to promise I wouldn't seek veterinary care with out approval unless it was an emergency. And in the case of Calley may she is other dog un friendly I had to promise she'd be the only dog in the home. So if you're trying to imply that places that foster out dogs have standards I will never meet because I am disabled and I do not have tons of money, or that I have no life, or that my house is not always clean, you're barking up the wrong implication tree. If I have mis read the intent of your post , I apologize. quote: ORIGINAL: TheLilSquaw BTW..... TFB.. the rescues that foster out animals do have qualifications that a fostering family have to meet.

TheLilSquaw -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/26/2013 6:19:56 PM)
quote: ORIGINAL: Toppingfrmbottom I will not get rid of Calley may. IS that better, no excuses just deaf ears. Because I may not always be able to provide for every one right away, but I am providing and yes it's a stress to me to do so, but Calley is staying with me till she dies. And then I'll see about a permanent foster or something , so the vet bills won't be my responsibility. I've fostered animals, lots of them both in California and in Maryland and EVERY rescue that I fostered for did home inspections before they gave me an animal. They also did back ground checks to make sure I had never been charged with abuse of animals or anything of that nature. Plus I had to have written consent from my landlords / management company. As well as sign a contract with them with.

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