RE: I'm Not Paying

RE: I'm Not Paying (Full Version)

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MistressMaamNH -> RE: I'm Not Paying (8/31/2006 2:30:21 AM)
quote: When I have told him that I will not pay and there is nothing that will ever get me to pay Whatever happened to honoring one's word?? Signing the sale agreement is a written legal, and more importantly, moral obligation that you will honor your word to pay them for the merchandise. To not do so, simply because you fell on hard times (happens to most of us at one time or another) or because you had fallen so far behind, you no longer have said merchandise because they reposessed it to try to recover some of their losses, and to be so indignant that they would want to hold you to your word is a very telling insight to a person's character, or lack thereof. <just shaking My head here> MMNH

NeedToUseYou -> RE: I'm Not Paying (8/31/2006 2:36:14 AM)
quote: ORIGINAL: seeksfemslave The usual tosh...I'm in trouble it must be someone else's fault. LOL, I'm not in any trouble now. This was years ago and I paid it as was stated in my post. That doesn't mean I feel for the poor credit companies who make a course of business to make loans to non-creditworthy people to begin with.

seeksfemslave -> RE: I'm Not Paying (8/31/2006 3:10:51 AM)
Edited Mr Need said.... quote: ORIGINAL: NeedToUseYou That doesn't mean I feel for the poor credit companies who make a course of business to make loans to non-creditworthy people to begin with. You definately have a point there Mr N...but it is quite common to read of people with a level of debt that is out of all proportion to their ability to pay back, not just poor creditwothyness NO creditworthyness. I know some of it accumulates from escalating interest but this often results from the attitude of the original poster. I'm not paying. I agree with MistressMaamNH, have always felt the same about Bankruptcy. This should be only an interim solution, so that when money is available the creditor is payed in full. In real terms too, ie adjusted for inflation.Instead it is often used as a dodge to avoid repayment. Just read MistressMaamNH's profile. Most of it anyway. You dont ask for much do you gal ? Hope UR well !

servitude69 -> RE: I'm Not Paying (8/31/2006 3:17:41 AM)
The old saying " What goes around, comes around ", applies here. I sincerely hope you get cheated out of your money someday. Be a man, own up to your financial responsibility and pay what you owe.

pahunkboy -> RE: I'm Not Paying (8/31/2006 4:36:19 AM)
in recent years- a few collection agencies have resorted to iffy procedures. to the OP, you live in a wage attachment state. Indiana, Pennsylvania, and ?? are the ONLY 3 states thats law wont allow your check touched. not counting- child support, back taxes, student loans. IMO- once you take this kind of phone call YOU LOSE. Anything you say can be used against you. If you are very behing on bills- and file bankrupsy you are amoung good company .. I reccommend you get a copy of your credit report. you can get 1 free each year, get a free one from all 3 bureaus. if you file chapter 7-13, GET A LAWYER. they are worth their weight in gold. mine was costly- but saved more then he cost by his thorough advice. but 1st you really must see the extent of your damage....so get the free report

peterK50 -> RE: I'm Not Paying (8/31/2006 4:48:55 AM)
The IRS sent me a notice aout 12 years ago saying I owed an additional 38 dollars. I paid it. The next year it was 255 dollars, I paid it. Then 695 dollars. I went to my advisor & he said, "Never ever pay those people, they get a percentage of collections & now you're on their suckers list", this is the US G'ovt for Gawd's sake. Next time he collector calls ask him if he has accepted Jesus Christ as his personal savior.

meatcleaver -> RE: I'm Not Paying (8/31/2006 5:11:39 AM)
First mistake, you got married. Second mistake, you got divorced. The first mistake is usually followed by the second mistake. Men are almost always discriminated against in divorce settlements unless you are ahead of the game.

arissa -> RE: I'm Not Paying (8/31/2006 7:13:14 AM)
I have yet another comment. Yes, some credit cards are designed specifically for those who can’t pay, BUT, there is also the “credit card agreement” enclosed when they send it to you, everything is outlined in this agreement, much like a car loan, student loan or any other type of loan, read it! The interest is listed there, the penalty for not paying, as well as any and all alternate information, and believe it or not, they out line a hardship program in the agreement. You read this information, and if you think you can not handle having the card, you call the company and tell then you have changed your mind and please cancel the card. We all have to take responsibility for what we do in life, like it or not. RosaB: You are right; there are some collectors who have the nerve to say things like that. My one friend was telling me abut this woman who cried because she was willing to work with her on a debt. No one else would, her husband got injured on the job, the company was fighting paying him, things spiraled out of control and she felt she was between a rock and a hard place, my friend spent the extra time on the phone with her to suggest options to help her, she did not belittle her. This woman took the options, many she herself had not thought of, simple things like possibly a garage sale, borrow from her 401K. At first she was reluctant about the 401, but when explained that she is actually paying herself back AND earning interest, she jumped on the idea, 2 weeks later she called my friend back and told her she got caught up (to include the bill she owed there) and felt better, she even thanked her for treating her like a human being, but then again, my friend is first party collections. I don’t care what you do in collections, 1st, 2nd, 3rd or 4th; NO one has the right to treat you badly, use tactics or words that make another feel badly. It just is not right. Seeksfemslave: I like how you think, but not all debts are the fault of the consumer, sometimes things come up that are beyond your control. That is when you HAVE to call all the companies you have a debt with and try and work something out, don’t you agree?

Lordandmaster -> RE: I'm Not Paying (8/31/2006 7:17:29 AM)
There's something wrong with this story. The IRS doesn't "get a percentage of collections." That statement doesn't make any sense. Oh, and if you choose not to pay the IRS, you could get thrown in jail. That's my pro bono advice. quote: ORIGINAL: peterK50 The IRS sent me a notice aout 12 years ago saying I owed an additional 38 dollars. I paid it. The next year it was 255 dollars, I paid it. Then 695 dollars. I went to my advisor & he said, "Never ever pay those people, they get a percentage of collections & now you're on their suckers list", this is the US G'ovt for Gawd's sake. Next time he collector calls ask him if he has accepted Jesus Christ as his personal savior.

gooddogbenji -> RE: I'm Not Paying (8/31/2006 7:23:03 AM)
quote: ORIGINAL: Lordandmaster There's something wrong with this story. The IRS doesn't "get a percentage of collections." That statement doesn't make any sense. Oh, and if you choose not to pay the IRS, you could get thrown in jail. That's my pro bono advice. quote: ORIGINAL: peterK50 The IRS sent me a notice aout 12 years ago saying I owed an additional 38 dollars. I paid it. The next year it was 255 dollars, I paid it. Then 695 dollars. I went to my advisor & he said, "Never ever pay those people, they get a percentage of collections & now you're on their suckers list", this is the US G'ovt for Gawd's sake. Next time he collector calls ask him if he has accepted Jesus Christ as his personal savior. LaM, You know I respect you, but seriously, that's like me saying, "If you jump off a building, you'll end up in the hospital." Good advice, but if you gotta tell someone that, then just let them end up there. For the rest, I agree with the people who asked how the OP would feel if it was his money, who said that borrowing is a word of honour, and who said to read the agreement. We are only victims of credit card companies if we choose to be. If we read the contract, we know what we're getting ourselves into. Seriously, I wonder how some people can tie their shoes without help. Yours, benji

KatyLied -> RE: I'm Not Paying (8/31/2006 7:25:43 AM)
Debts can be negotiated, is anyone aware of this? There are non-profit credit assistance agencies as well. The interest rates can be negotiated. They'd rather have any money than no money at all. But the bigger issue for me -- *where does personal responsibility come in to play in this discussion? It sounds as if some people are lacking.*

Lordandmaster -> RE: I'm Not Paying (8/31/2006 7:27:17 AM)
Yeah, but people come on here all the time with their cock-and-bull stories, and I think it's worthwhile for someone to point out why they don't make any sense. Innocent souls may be misled by this kind of nonsense. It's like posting the relevant link to snopes.com or urbanlegends.about.com when someone exhumes the old "NEW WAY TO CARJACK--BEWARE!!!!!" bullshit. quote: ORIGINAL: gooddogbenji LaM, You know I respect you, but seriously, that's like me saying, "If you jump off a building, you'll end up in the hospital." Good advice, but if you gotta tell someone that, then just let them end up there.

seeksfemslave -> RE: I'm Not Paying (8/31/2006 7:31:05 AM)
quote: ORIGINAL: arissa Seeksfemslave: I like how you think, but not all debts are the fault of the consumer, sometimes things come up that are beyond your control. That is when you HAVE to call all the companies you have a debt with and try and work something out, don’t you agree? Couldn't agree more Arissa. The only sensible thing to do. Arissa thats the first complement I have ever received in any chat room. My sarcy. attitude doesnt go down too well. You made my day. Thanks. lol I never say anything that I dont believe though.

LaTigresse -> RE: I'm Not Paying (8/31/2006 7:41:19 AM)
Lets just go back to debtors prisons, or indentured servitude!!! Nip those "gotta haves" right in the bud.

JohnSteed1967 -> RE: I'm Not Paying (8/31/2006 8:00:31 AM)
Personal Responsiblity Yes I am familiar with that concept. Without disclosing how much I make (Because its not your business) If I sat down and paid off the debits that I aquired from my marriage, EVEN negotiating them. which they have made me all sorts of offers. I would quite literally be on the streets. I do not make enough money, even with their purposed settlements to pay them and to be able to have food on my table a roof over my head. I like having a decent meal that is pulled out of the garbage, I like having a bed that isn't crawling with vermin or under a bridge with rats. So Yes maybe I am not being personally responsible, Yes I do know that I would be pissed if I was owed money. But to all the debtors and collectors out there. I started 2004 with a real life $133 to my name and that's it. My wife screwed me out of a home and money and everything. Had it not been for the fact that I had somewhere to go (My parents house) I would have been on the streets. I had no money, no job and three weeks after I got home they repo'd the car. I am not trying to be an asshole, I am not trying to screw you or your company out of money. I am trying to live, If I had the money to file a bankruptcy then I wouldn't need one!

gooddogbenji -> RE: I'm Not Paying (8/31/2006 8:02:30 AM)
If you have no money and no job, how the hell can you pay for gas and insurance? Be happy they repossessed it! Yours, benji

SirKenin -> RE: I'm Not Paying (8/31/2006 8:25:03 AM)
Hrmph. I leased a brand new car four years ago. I turned it in a year and a half early. Obviously the resale rate was several thousand dollars higher than what they anticipated when they wrote the lease. It had a bit of damage on the quarter from Me doing donuts in it, but other than that it was mint. Next to no kilometers on it, a real good score for the leasing company. Those jackasses started writing Me letters and calling Me, demanding damages for getting out of the lease early and for Me to pay up to the end of the lease. I told them to go fuck themselves. The car was worth more than $2000 more than it would have been if I rode out the lease. Quite a bit more. They said they were going to send Me to collections, blah blah blah. You know, started with their threats. Sending Me letters.. etc. That is when I got pissed. I told them I am retaining legal counsel and they had better cough up all the particulars of how much that car sold for on the auction. They sold it for almost $12,000. The end of the lease called for $8500. Those pricks were trying to double dip. Anyways, once I found out and told them they would be hearing from My lawyer I never heard back from them again.

arissa -> RE: I'm Not Paying (8/31/2006 8:26:15 AM)
pahunkboy: You are right, get the credit report, but bear in mind with the new BK laws you have to meet a certain amount in order to file now. Not everyone meets that qualification anymore. JohnSteed: Bad credit happens to good people. My ex put me into so much debt I never thought I'd see light again, but I worked WITH the people I owed and payed them off, some even allowed me to make payments to the settlements they offered, but you have to be willing to work with them as well. They will not send a bad debt to a 3rd or 4th agency if you are making payments, hell like pahunkboy said, some money is better then no money. Seekingfemslave: Hell, I like your scary, but I happen to like open, honest intelligent people, and you are more then welcome. MisressNH: Your right as well, what ever did happen to living up to your word, hmm, makes one wonder about folks sometimes, eh :-) LaT: I wonder what would happen if they did have debtors prison again, would it make people pay thier bills? Sure would put some folks out of a job, like 3rd and 4th party collectors, but those are the snotty rude ones, so maybe it would be a good thing.

seeksfemslave -> RE: I'm Not Paying (8/31/2006 9:54:50 AM)
John Steed...if your first post had been along the lines of the one just up above I dont think you would have had too much grief from any body. Certainly not from me. Some divorce settlements do seem more than a bit excessive and one sided. Almost a charter for women to behave badly ! Am I right ladies ?

LotusSong -> RE: I'm Not Paying (8/31/2006 11:13:08 AM)
I worked as a collector in a hospital. If someone couldnot pay their bill, they would fill out a financial statement. Usually, we would write it off if counter-offer was not feasable.

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