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Help the homeless!

Discussion in 'Credit Talk' started by Mycroft, Apr 16, 2003.

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  1. Apr 17, 2003 #21
    PsychDoc

    PsychDoc Well-Known Member

    Re: Re: Help the homeless!

    For the record, I don't think everyone agrees with WALLST on that assertion that Mycroft has disrupted the board with his posts. He certainly represents an opposing point of view, I'll say that, and it's not one I agree with (per my postings directed toward him). But that's about it, as far as I'm concerned. Now, once more for the record, I respect and agree with WALLST about so much. However I just wanted to register my disagreement here.

    Doc
     
  2. Apr 17, 2003 #22
    keepmine

    keepmine Well-Known Member

    Re: Re: Help the homeless!

    With a commission on the line, credit repair may have merit. Seriously Mycroft just knowing about, and being willing to point a customer in the direction of credit repair may put a few more deals in your pocket every year.
     
  3. Apr 17, 2003 #23
    WALLST

    WALLST Well-Known Member

    Re: Re: Help the homeless!

    Doc,

    First time we have disagreed :). I have spoke my peace on this issue and will just let it die from here. No sense kicking what is becoming a dead horse.

    Great work on the whopulledmycredit, I have several that I will add this weekend.

    WALLST
     
  4. Apr 17, 2003 #24
    breeze

    breeze Well-Known Member

    Re: Re: Re: Help the homeless!

    As always, keepmine, you are dead-on.

    Perhaps someone should show MyCroft where the "How to Win Friends and Influence People" discussion group is located, LOL.

     
  5. Apr 17, 2003 #25
    PsychDoc

    PsychDoc Well-Known Member

    Re: Re: Help the homeless!

    Oh man, WALLST, you've discovered my weak spot. Throw a compliment my way, and I'm ready to sell the store. Word: Everything WALLST says is right. :)

    Doc

    (My consulting business is based in my home office, so I get to spend a significant amount of time here -- which is fine, until you indulge your creditboards/creditnet addiction and your wife laughs at you. Right now, she's merrily calling me a "sell out" and daring me to publicly transcribe her comments. Fine. Done.)

    :)
     
  6. Apr 17, 2003 #26
    rackt3

    rackt3 Well-Known Member

    Re: Re: Re: Re: Help the homeless!

    The ombudman won't be able to help if the lates are legitimate.
     
  7. Apr 17, 2003 #27
    Mycroft

    Mycroft Well-Known Member

    Re: Re: Help the homeless!

    Thank you!!!

    I do want to get along with the group. I do understand that I don't share the majority opinion on many issues.

    I also want to say that I'm percieved as being more creditor friendly than I really am. While I am a lot more creditor friendly than is typical for this community, I understand there are both sides to every issue and I do see abuses that need to be addressed.

    Jlynn, I think we can accomplish what we need just by correcting the items that are reporting incorrectly. Some paid collections that are not yet showing zero balance and a bunch of old student loans that are not showing balance information.

    Breeze, I hope you don't discriminate against the other 100,000 or so people that use my same internet provider. One or two of them may find their way here too.

    Wallst, I'm sorry if you feel the board was disrupted. I admit I did play a part in that...but I really don't think I played the majority part. It takes more than one to make an argument.

    Keepmine, I live on commission. When I do a loan, a large part of my motivation is paying my own bills and my own mortgage.

    At the same time, I like to do the "feel good" loans. It's not all about commission, sometimes you get a deal that really makes a difference in someones life and it's a pleasure to do even if the commission is small. In this specific deal, I'd make more money by just turning him down and spending my time on easier deals. We've already discussed the possibility of his using another lender with a less conservative underwriter.

    PsychDoc, thanks for the open mind. :)
     
  8. Apr 17, 2003 #28
    picantel

    picantel Well-Known Member

    Re: Re: Help the homeless!

    If you answer one more question for me personally mycroft I will keep my comments bash free unless you do something really blatant. If you really want to be more friendly and understanding then why do you blindly agree with certain other individuals on another forum(and you know who I am talking about) no matter what the situation is.
     
  9. Apr 17, 2003 #29
    PsychDoc

    PsychDoc Well-Known Member

    Re: Re: Help the homeless!

    Picantel, we're influenced by the company we keep, and he's been keeping company with folks who reflexively judge others harshly. While I doubt Mycroft will ever transform into Lizardking, lol -- and why should he be untrue to his beliefs anyway -- I'll bet his empathy quotient at least will undoubtedly grow the more time he spends here, and he'll become a far more effective medium for communicating his personal reponsibility message.

    While I realize that perhaps most people here ended up with bad credit through tragedy, my situation was brewed through sheer irresponsible stupidity and my proclivity to believe that a line of credit was income rather than an opportunity to go into debt. As I wrote elsewhere, a new card would come in the mail, and I'd think, "WOW, $5000 for me to SPEND!" rather than "wow, if I'm not careful with this I'll be $5000 in the hole." Surely I'm not the only person who ever needed to hear somebody reframe that. As a DAVERAMSEY.COM fan (whose message mirrors Mycroft's in some ways -- although Dave would never defend a payday loan guy... something I'd like to reframe for Mycroft, lol, and will if given the chance, heh), I'm all for teaching such ideas. Dave Ramsey doesn't talk about morality, but he does talk about stupidity and stupid choices, and I'll happily admit to my share of stupid choices now that I can see straight. For what it's worth, acknowledging my mistakes has ultimately increased my wealth, so it works.

    Let's make room for multiple viewpoints and give people the chance to learn and grow.

    Doc
     
  10. Apr 17, 2003 #30
    Mycroft

    Mycroft Well-Known Member

    Re: Re: Re: Help the homeless!

    I've answered this partly on MSN Money.

    When Shot Caller says, "Pay them!" you hear something different than I do. You hear, "The creditor is always right, bend over and take it with a smile." I hear, "Take charge of your life, live up to your obligations, stop being a victim, and live your life so that these people no longer have power over you."

    If you live your life thinking that everything is unfair, that everyone is out to gouge you and rip you off, you will never get ahead. You will spend all of your time fighting the unfairness and none trying to get ahead.

    That's not to say that there isn't value in being a crusader, in trying to change the system. But I do think that if you're going to do that, you also need to keep an eye on what's fair to the other side too.

    In short, I agree with him because I agree with him. It's just that I see his words differently than you.
     
  11. Apr 17, 2003 #31
    PsychDoc

    PsychDoc Well-Known Member

    Re: Re: Re: Help the homeless!

    Lord, this is proof that I would even debate myself if given a chance... PsychDoc, you are WRONG. Dave Ramsey does talk about morality, just in a different sense. I'm not going to turn this into a Dave Ramsey thread, but I thought I'd amend my comment a bit in case another Dave Ramsey acolyte out there thought I'd lost my mind. (It's already lost.)

    Doc
     
  12. Apr 17, 2003 #32
    picantel

    picantel Well-Known Member

    Re: Re: Re: Help the homeless!

    You are right mycroft that is exactly what I hear. surely so pay them is appropriate on some occassions but not on others. let us say I know you and you loan me $20 with the promise that I pay i back in a week. Well the week rolls around and I do not have the $20 so you take a bat to my body and break a leg. How could I have avoided this? Obviously the answer was to just pay you. However, I could not so was beaten. Now I come to a forum and post my story and ask what I should do. The answer is always pay them but what about the harm they caused me. Should I sit back and do nothing. If I do then I condone their action and allow them to do it to someone else. Maybe in this case the correct response is to pay them but after they do their 3 months in jail or pay them but remove the hospital bills first from the bill. I would just like to see another response other than the same blind answer. I am constantly accused there as the avenger of not paying your bills. Excuse me? I jsut paid off like 4 o 5 credit cards today. I have no lates nor do I have any baddies as we like to call them here. If I was the deadbeat champion my credit would be in the pits. I champion SOME people because of the abuse they receive. If someone is within the SOL and has not been harrassed or abused chances are 99% of the time you will never see me post. However, if they are being nailed by camco, national check control, asset, or another other of the worst of the worst you will hear from me. That is the way it is.
     
  13. Apr 17, 2003 #33
    marci

    marci Well-Known Member

    Re: Re: Re: Re: Help the homeless!


    LOLOL! You are absolutely out of your mind, and I mean that in the most affectionate way - lol!

    I've never had one poster so consistently bring me joy with his anecdotes.

    You are an asset to this board...
     
  14. Apr 17, 2003 #34
    PsychDoc

    PsychDoc Well-Known Member

    Re: Re: Re: Re: Help the homeless!

    Omigosh, marci, shucks. :) My narcissism is so hyped now I'll need three more years of therapy just to get back to the previous inflated levels.

    (Somebody once told me it's best not to quickly return a compliment with another so fast because it may look like some patronizing return volley. So I won't tell you what I'm thinking. Ok, I will. I'm thinking, "Return this with a patronizing volley." LOL, just kidding. Actually, I won't tell you.)

    Doc :)
     
  15. Apr 17, 2003 #35
    WALLST

    WALLST Well-Known Member

    Re: Re: Re: Re: Help the homeless!

    LOL at Doc


    WALLST
     
  16. Apr 17, 2003 #36
    bbauer

    bbauer Banned

    Re: Re: Re: Re: Help the homeless!

    Quite so, but the abuse will never stop by simplistic credit repair tricks.

    The only way it will stop is to make it so expensive for them that they can't afford to do it any more.

    The only way to do that is to teach the abused debtor how to go to court and do a number on them.

    As others here have pointed out it isn't all that tough to do.
     
  17. Apr 17, 2003 #37
    picantel

    picantel Well-Known Member

    Re: Re: Re: Re: Help the homeless!

    I know it. That is why I have a $1000 settlement check for fdcpa violations in the mail. I am just not saying who it is from right now. As for camco, I do more than credit repair. I have a letter from the mayor of rockford where they are located. I have information on a letter about their violations for the illinois attorney general. I have emails from the finance department for florida. I have an email from jeb bush(woohoo). I have emails from a pile of consumer protection lawyers- and oooohhhh so much more.
     
  18. Apr 17, 2003 #38
    bbauer

    bbauer Banned

    Re: Re: Re: Re: Help the homeless!

    Then I sure would not fool around in small claims court. Hit them hard in federal court.
     
  19. Apr 17, 2003 #39
    picantel

    picantel Well-Known Member

    Re: Re: Re: Re: Help the homeless!

    I am saving federal court for experian. I am building my case now. Everyone else has already been whipped.
     
  20. Apr 17, 2003 #40
    FunkSoulBr

    FunkSoulBr Well-Known Member

    Re: Re: Re: Re: Help the homeless!

    I am a YM and CN supporter and I am not Afraid to say so.

    I really don't get what all the rage is about. There are people on this site that just take things way too personally.

    There is a lot to be gained from both sites.

    I appreciate this site mainly because I see at as a Consumer Advocate Site. Creditors, particularly Card companies have a lot of hand in the credit problem of Americans. This site tries to balance the playing field.

    What I dislike about Cnet is that the board almost never holds the debtor accountable. Even when it is most needed. People come on here that have absolute no reason to be looking for more credit and they get entertained equally.

    On YM, people do get help with credit repair but not as good as Cnet. However, when it comes across that a person might not be taking responsibility OR in the process of making bad credit decisions. The type of help they get is a kick in the butt.
    Sometimes a kick in the butt would go a longer way.

    You can give a Man a Fish and he would eat for a day. Teach him how to fish and he would eat for a lifetime. But if a bunch of parasites (CC's) start messing with his fish. Then show him the way to Cnet.
    Thats kind of the way I see things.
     
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