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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Toppingfrmbottom -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/25/2013 4:45:37 PM)

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.



littlewonder -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/25/2013 6:11:12 PM)

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?



Toppingfrmbottom -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/25/2013 6:25:34 PM)

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?





littlewonder -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/25/2013 6:37:14 PM)

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.



Toppingfrmbottom -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/25/2013 6:42:05 PM)

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.





littlewonder -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/25/2013 6:52:39 PM)

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



Toppingfrmbottom -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/25/2013 6:57:35 PM)

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??





servantforuse -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/25/2013 8:44:17 PM)

One of the creditors ? How about all of the others ?



servantforuse -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/25/2013 9:27:37 PM)

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



Toppingfrmbottom -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/25/2013 9:48:01 PM)

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.



LafayetteLady -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/25/2013 10:03:30 PM)


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.



Toppingfrmbottom -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/25/2013 10:13:45 PM)

And no sfu I will.not tell u how much I make. Itsnone of your biz.



MariaB -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/26/2013 3:19:32 AM)

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.



TheLilSquaw -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/26/2013 5:31:14 AM)

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.





ShaharThorne -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/26/2013 6:38:45 AM)

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.



Phoenixpower -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/26/2013 6:56:50 AM)

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 [sm=applause.gif][sm=applause.gif][sm=applause.gif][sm=applause.gif][sm=applause.gif]

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 [8|] no matter how often the got it told here [8|] 



rhymeswithcupid -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/26/2013 7:10:15 AM)


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.



Toppingfrmbottom -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/26/2013 7:49:10 AM)

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.



calamitysandra -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/26/2013 10:42:51 AM)

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.



Level -> RE: What is the worst credit card companies can do if you default on your account and won't pay? (1/26/2013 11:46:36 AM)

I'd give Sandra a kiss on the cheek if I could.



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