investments, 401k, stocks/bonds will always be there for me should an unfortunate circumstance happen that i lose my job or am unable to work. its unfortunate that most americans are not as prepared as i or friends/family or even co-workers.
Just like you find it interesting and fun to visit forums and bash people for their misfortunes and problems? That ought to be about as interesting as going to town on Saturday night and watching the local butcher cut meat. Most of us here think so. All that education and you can't even use good English? Can't even structure sentences correctly? Tell you what I think. I think that if you have a paralegal certificate from anywhere I must be professor emeritus of law at Harvard Law School. There isn't one except that you have no rational basis for posting here except to salve your wounded ego. [/quote] im proud of the job i do and have no shame in it. [/quote] Good! We are all glad that you are here calling us deadbeats and any other names you can dream up. The more the merrier. I'll bet that surprises you, don't it. We all probably wish you would bring some more of your debt collector friends in here too. We are glad you enjoy it so much. The reason? When you are wasting your time bashing us here you aren't out there making life miserable for others. Just imagine how many people you make happy by spending your time here and they don't even realize how much we are doing for them! No, but they aren't wasting their time bashing those who buy their gasoline and other products either.
Lots of people had 401K and investments and got cancer, needed serious surgery such as lung or heart transplants or whatever and ended up broke because of it. Can you and your fabulous investments pay a half million dollar hospital bill?
im proud of the job i do and have no shame in it. [/quote] Good! We are all glad that you are here calling us deadbeats and any other names you can dream up. The more the merrier. I'll bet that surprises you, don't it. We all probably wish you would bring some more of your debt collector friends in here too. We are glad you enjoy it so much. The reason? When you are wasting your time bashing us here you aren't out there making life miserable for others. Just imagine how many people you make happy by spending your time here and they don't even realize how much we are doing for them! No, but they aren't wasting their time bashing those who buy their gasoline and other products either.[/QUOTE] im so good at multitasking...dialing the phone...sueing people and posting on here. i could care less how gramatically correct my sentences on here are...why am i the only one being critiqued debtors are not any better. there are no names to dream up...deadbeats is a very fitting name for those that refuse/dont feel like/dont want to pay their legal obligations. and to correct your errors it would be: Professor Emeritus of Law
First of all,I am not in any negative debts at all.Hell my low fico is 760,High is 805. Now on to topic. I cannot for the life of imagine why you would waste your time and ours just to get your jollies bashing debtors.Oh by the way,you may not refer to debtors as customers. In reality they are your customers because they ensure you eat and have a bed to sleep in. I personally refuse to work with any collector because I have seen enough abuse to know very few of them follow the letter of the law. You can bash me to your heart's content as I will completely ignore you.
You can tell by the tone of collectmans postings exactly what type of people work for ca's.He has proven my point with his own words. He was hired because he has the type of attitude and personality that is needed to be a collector.These types of people are easy to program they can be manipulated and molded into doing just about anything.They are robotic individuals who perform at the push of a button.They get pleasure from other peoples pain.They seek power over others which gives them a sense of self worth.They justify their actions by stating they are performing a worthy and noble task that only a gifted few are capable of.Great employee not so great human being.
Collectman ~ It's interesting that your preferred definition, "deadbeat", necessarily includes the attribute, "lazy." You clearly believe that anyone not paying a debt is too lazy to work, too lazy to budget, too lazy to save, - and worst of all - to lazy to talk to collection agencies on the phone. If I could pay my debts, I would. I don't want this hell. God forbid you have critically ill children, go through a divorce, and lose your job. The only people who have 401ks and savings large enough to carry them forever are millioinaires who don't need to work in the first place! If you feel that you can plan and predict for all contingencies in your future, then you must equate yourself to God. I'm telling you it's not possible. I never would have predicted my life would take the turns that it did. I contemplate suicide everyday, because I'm truly at a loss. That would be the easy way out of this mess. The harder way is being here for my kids, struggling, and praying that our circumstances will improve. "Just get a job" sounds easy enough, until you have kids who have extraordinary medical needs. If you knew what was required of me on a daily basis, I doubt you would be so cavalier in your assessment that I am "lazy". Buying Christmas presents? New cars? Vacations? Don't I wish! After paying for prescriptions, I'm lucky if I have enough for basics like food and electricity. We live from one shut-off notice to the next. You assume that I'm not paying my creditors because I'd rather spend my money elsewhere. And to some extent that's true: I must place a priority on my kids medical needs. Does that make me evil and lazy? You may feel ready to answer that question, Collectorman, but again, I caution, unless you're God you have no business judging others.
I think collectman is just trying to defend himself. The problem is that you hate him for what he does for a living. It's a job. And if he's good at it that's something to be proud of. I have no problem with them and the way they do their jobs. When I was in my bad situation and was being hounded by ca's I hated them. I hated the constant calling. I hated trying to come up with excuses when I accidentially answered the phone. I hated the fact that I OWED THE MONEY and was not in a situation to pay it back. I hated the fact that I was constantly being reminded that I owed the money. It made me feel like crap. Now that I'm out of black hole that I was drowning in and actually amassed some money the first thing I did was pay all of my obligations. Even one that was past the SOL. Why? Because I owed the money. I know that there are people who are out there who are in worse situations then I could ever imagine being in. But to gang-up on someone because of their job (no matter how much you think they suck) is bull. And to the original post in this thread. If you owe the money you need to pay it. Creditors have long memories that go beyond the SOL.
im glad to see someone has morals that go beyond a time frame to be sued on an account and felt the need to pay the money back.
it felt good to pay it back. and when i did it felt like a burden had been lifted. now my credit is back on track. in fact it's pretty darn good. i'm getting good offers. and live within a budget. to the people who are having problems paying bills. there are programs out there to help you. if you haven't you should investigate them to see if you qualify. magnus
god has no standing with paying your bills...he didnt cause your situation or make you stop paying your account...leave the bible in your pants and get out the checkbook. banks judge you when you open an account or apply for a loan when they look at your credit...we do the same thing.
im not bashing anyone...there are people who are actually trying to pay their past due accounts who are debtors and then there are some who could care less they are deadbeats. im not sure why people wont work with a ca..if they are truley interested in taking care of their account and are willing to pay a reasonable amount then there is nothing to worry about. call them tell them what you are going to do get it in writing and setup the payments. once an account is sold you dont have the option to work with the creditor in almost all cases.
1. Nice try, but the wages at McDonalds won't cover the hourly rate of skilled help to care for my kids while I'm off working. If I was willing to leave them to the care of any old bozo, there'd be nothing to keep me from taking my life. 2. So far I haven't found any employer who's too keen on the idea that my availability is both minimal and unpredictable due to medical emergencies. But I remain optimistic that I will either find such an employer, or my kids' health will improve significantly, so keep those good suggestions coming! 3. Knowing another's inner heart - their motivation and character - is a far cry from number crunching. Don't believe that the ability to do the latter equates to the first. 4. Don't be too hasty in deriding another for their faith. A strong belief in what is right and what is wrong will more likely result in people repaying their debts eventually, even if the debts are time-barred, than any amount of collection calls. 5. But I'd also urge you to consider what your faith has to say about how we are to treat those that are in unfortunate circumstances, and unable to pay their debts at present. 6. Even if you don't believe it's wrong to mock and ridicule debtors, surely you must realize that hurtful comments do not help you in your pursuit?
7. I did get out my checkbook. There's nothing in it. It wasn't so much a "decision" to quit paying as a reality. I can't pay what I don't have. And I can't turn water into wine, no matter how much I wish I could. 8. You seem to assume that most debtors have control over their situation. That it's just a matter of writing a check. But for me, and many others, there are personal and financial setbacks that we don't control. 9. You are in control of your life right now, and I'm glad for you. I was there once, and how I long for those days. It was wonderful to have no financial worries, and a seemingly secure future. But there were events that proved beyond my control - health problems of my kids, ex-husband, etc. 10. When you purchase a home, maybe you'll be lucky enough to have the cash in hand, plus investments and savings to cover personal setbacks. However, if you're like many people, you'll get a 15 or 30 year mortgage, with the sincere belief that you'll be able to pay on it. Your belief may be entirely justified, as was mine when my circumstances were different and I incurred debt with no reason to doubt my future. Sadly, I was wrong. But do I really deserve such vitriole? Have you ever considered, "But for the grace of God, there go I."?
