Debt and Collection Agencies....

[mustynutz]

i just got a call from a fuckin bill collector....AT WORK....fuckin Seton say i owe them some bread for a hsopital visit from like 6 mos ago...like 2,000...i gave em my insurance shit but they still houndin me, maybe my insurance didnt cover emergency room visits, but fuck it i aint payin it and i needed a tetanus shitcause some bitch ass wanted to bite me when he wasnt winnin the fight that he started...

Regardless I aint payin shit....


But how far can these fuckers go....i mean i know the threatening phone call and letter will keep goin, but what can they do to get the money back if i "just dont pay"

what ..sue me....?...

can they go as far as garnishing wages....i dont think so thats only for child support and shit right...
i know hella cat with like 15-30,000 debt with no intention of payin it....

Anyone ever filed bankruptcy ?

 

[DTP]

I worked in collections for autoloans. I wasnt a ass on the phone... you dont wanna pay, cool... next caller. But some of the fuckrs around me got a hardon for yelllin at folks and actin all high/mighty like they can do shit to them. What I learned is they cant do shit to nobody.

Man, I know a grip of folks on the run from debt. As long as you dont stop and let em catch you... fuck 'em.

Also if you gonna file for bankruptcy... you need downass folks to get shit for you. Remember "Hood Rich"? I got everythang in my mama's name... thats the way to get shit when you're bankrupt.

 

[Gringo Starr]

Yeah they can garnish youre wages...up to 25% i think...they can also garnish your savings/checkin accounts as well...so be leary...

 

[JazzFan]

you'll also fuck your credit up, so when you try to buy a car or a house, you'll be in trouble.

 

[DTP]

Yeah... they can do all that... but they cant just go ahead do it right away. They need your verification/understanding of what they're doing to yo shit. If any creditor puts a bad mark on your credit report and you couldnt figure out why... then dispute that shit. Garnishing wages... they need to let your ass know ahead of time before they take yo $$$.

Believe me, I know all this collections shit of what they can and cant do. Most of it is just woofin. When they talk to you on the phone... there's no magic button to garnish your wages or nothin.

Oh yeah... if anybody get collection calls... dont be a lil bitch on the phone. If they see you about to slip... might as well tell em your bank acct#. Muthafuckas break down and cry once they know they cant take it no more.

 

[big D]

Hospital related outstanding debt doesn't affect your credit as bad as other debt.

If the hospital still owns the debt, just pay them $5 a month and they can't bother you. Say thats all you can afford.

 

[mustynutz]

^ naw its been sent to collections already....

And my credit is so fucked already that theres prolly no repairing it really.....i owe like $7-9,000 and i aint planning on paying it, some of them debts is like 2 and 3 years old....man i got debt like a muthafucka, and payin it now is like throwin money away cause i aint gettin shit from it...only ones im payin is the one from my hit n run (only cause they can take my license if i dont and im tired of smobbin my fivepoint toes) and the shit from my traffic tickets...the rest like Providian, Seton and them...just fuck em....

 

[L Mac-a-docious]

Don't say shit to collectors on the phone...hang up...there is a statute of limitations as to how long they can persue payment of the debt, and if you talk to them that statute starts over. You can find out what it is, from a site like consumer reports or some shit...after a while if they keep calling past the limit you can make them stop... a debt collector buys your debt for pennies on the dollar, so they are trying to get anything in payment, as it will be profit, if your credit is already fucked then fuck payin that shit, and don't talk to them.

 

[DTP]

^^^ You know what i'm talin about!

 

[Ethereal]

I'm over $11,000 in debt and I am still paying it off month to month, going little to nowhere with my balances. My father and a few co-workers of mine have all filed for bankruptcy and said it ain't no big deal. My dad told me right after you do it, credit card companies will start sending you credit applications again, be it at a much higher interest rate.

Right now I'm coming to the realization I might never eliminate these debts, but I am going to try and salvage my credit by going through some debt consolidation company. It's better then going bankrupt. Although I owe a great deal of money, my credit is actually very good. I've carried these debts (not always this high) for about 2-3 years and have made every single payment. I have probably payed off well over $10,000 to them but I kept charging so I never got my balance down. Now I'm just trying to beat the interest rates.

Anyone know of a trustworthy debt consolidation agency?

@mustynutz how long has it been since the companies that hold the bulk of your debt have seen any money from you? If you havent payed them in months and don't intend to then you're much better off filing for bankruptcy. Unpaid debts of $9,000 looks worse then no debts with a bankruptcy on your record IMO. You can always rebuild your credit. You have to think into the future because there is going to be a time when you need good credit (thats just the way the system is built) to get you low payments and low interest rates. Might as well start now before it's to late. Look right now your looking for a place to stay, if you had great credit your problem would be a lot easier.

 

[mustynutz]

im thinkin of actually just leaving the state...lol...no lie, but im sure it follows you right ?

man if i started makin payments on my debt i'd be workin for nothin practically....i know going bankrupt fucks you for like 7 years, no bank acounts or nothin in ya name....just straight cash and check cashing places...im wondering if leaving the state would help...im gettin sick of cali anyways man, there really aint shit left here for me....fa real

or fake my death... breakin into the morgue would be kinda fun , but cuttin off some guys arms and legs and knockin out all his teeth wouldnt be...well maybe if i was drunk.


but yeah, i owe a lot...i really have to come to live without needing credit, even before when i didnt have credit at all i would get declined for everything, then i got credit and they said it wasnt good enough, then i had too many credit cards (2)....then i just ended up with hella bills from shit theres no way i could pay (hospital bills..etc) and they all went to collections, then i had bad credit...
you just cant win....but i gave up on credit cards, places that require a credit check to live there...and any type of cc other than my atm card...when you need cash...get a paycheck advance...

i would like to own a nice car one day....but i've realized i'll never be able to commit to any kind of 2-5 year contract and with my credit my payments would be too high...so until i find a another broad wit a car/credit or can afford to buy a car in the 90's or 2000's then fuck it....

yeah i fucked myself.....oh well, you learn to live with it really.....just like i've accepted the fact that i'll never get to college to get a degree and reallly make some $$$....that was determined when i was 15 and moved out on my own, i aint had all the breaks like some people, like parents that DONT smoke dope or get killed by the fucker that beat them for years..i had to raise myself...
there no point in really going to college for me....spend 3-5 years gettin some degree so i cant hunt for a job with a piece of paper in my hand that says im smart....man im gonna be dead in 10-15 years, why waste the time.....if im ever gonna "make it big" it aint gonna be through college....i'll be lucky if it will even be legal...

i mean we got one life to live and it aint like God gonna run a credit check before he let me in...or show me to the one way elevator.
and even if a muthafucka do "make it big" it aint like you can take the shit with you.....all that little shit thats so important to you gonna end up in a dumpster...in a garage sale, or at salvation army....cause it dont mean shit to anyone else.

 

[Gringo Starr]

im thinkin of actually just leaving the state...lol...no lie, but im sure it follows you right ?

.

Unless you can magically change your SSN and identy...then yes...like a low self-esteem bitch..it follows you everywhere you go homie...

 

[LoC415]

[QUOTE From=mustynutz]

Hey man..I worked in the legal dept years ago for a collection agency, usually when you bills to hospital, you are responsible but no wages are garnish because usually the insurance is in the middle...if you ain't paying the best thing you could do is request not to call you at work, by LAW they cannot call you once you request it in writting and verbally. Believe our asses got sue many times and people got away with bills because we fucked up.
Another is say your DEAD...LOL! that always works for me.

 

[Solidous_Snake]

Another is say your DEAD...LOL! that always works for me.

WTF?? So if you got a electric bill you dont wanna pay then you would tell them ur dead?hahaahahahahah.


Damn Musty you had to slip so many times to be in that much debt. You already givin up on yourself and shit homie. Its sad. Like ur saying fuck it Ima die anyways. I would probably look into filing bankruptcy cause you would eliminate the debt your in. Start from scrath and build an account and money to go to a community college. Get your degree and get a better job. It aint over till its over dawg. Good luck G

 

[L Mac-a-docious]

Mustynutz-"Hello?"
Debt Collector- "Hello Mr. Nutz I'm calling on behalf of Highland Hospital in regards to an outstanding debt that yo..."
Mustynutz- "I'm dead."
*click*

 

[MEXCOM]

hahahaha

 

[LoC415]

Mustynutz-"Hello?"
Debt Collector- "Hello Mr. Nutz I'm calling on behalf of Highland Hospital in regards to an outstanding debt that yo..."
Mustynutz- "I'm dead."
*click*

LOL!!!! HEY AT LEAST THEY DON'T CALL ANYMORE...TRY SOUNDING CONVINCING!!