embarrasing question

[aa06a47]

na, scammer works just fine.

[anonymuse]

It's not a scam--it's looking out for #1--since no one else is going to. There's nothing fraudulent in looking out for yourself, as long as it is within the law. You're putting your situation in the best light for yourself while the trustee is trying to alter the situation in the best light for him/herself.

There is no reality--only one's perception of reality.

[GoingDown]

The choices we make in life, make the bed we must lay in after those choices. I like my bed personally right were it is, I like my home in the posh suburb of Wheaton, IL, I like my wife, kids, Computer, Plasma TV's free courtesy of Best Buy, Porsche, Mercedes, (yes I ended up jacking the Trustee around on that slightly damaged car, if you remember my post on that, he signed off on letting me keep that asset recently) and all the other wonderful free stuff I got before I filed, I even love Ernie our dog that sleeps and poops all the time. I actually just plain love my freedom, that this wonderful, cold heartless country afford me, but I really love my right to file. This thread lights my fire, I have been bashed so many times for things that are legal, but considered aggressive tactic's by my savy attorney. Yet we all no what this lady did, were are all those bashers now???? Life is a war, after what happened to me at my previous employer, I say take no prisoners, and I intend to scam my way LEGALLY through it. People that do dumb things before BK are at the mercy of the US Department of Justice, in case you forgot who is behind the bk process. Pigs get fat, hogs get slaughtered, LOCK EM UP!!

Another dosy of a post from Scammer, is that how you spell doosy, dosy, I suck at grammer, good thing I don't count on it for a living.

Love me hate me, I kept my crap legally............

The laws should probably be changed to stop people like this from methodically planning their BK so they come out of it smelling like a rose just because they followed all the little silly rules to the letter. Someone who owns a porsche, a mercedes, plasma t.v.'s, etc. should not get their debts discharged because he's too rich to declare BK.

It is amazing how the rich people are able to use powerful attorneys and the laws to let them keep all or most of their extravagant possessions while the poor people get threatened with jail time. I guess some things never change. Just like OJ Simpson walked free after murdering people, and the judgments against him are unenforceable because of some kind of trust fund he established because he's rich. If you are rich, you can pretty much get away with anything. If you're not rich, then you will get stepped on.

Where are the Bolsheviks when you need them?

Anyways, in response to the original poster of this topic, I think it should be clear to you that you should probably consider the risks involved in filing bankruptcy. It might be better for you to just try to wait out the creditors for 5 or so years before filing BK, if ever. If you're judgment proof, then there isn't much they can do to you anyways.

I've done some research on the issue and as far as I can tell, people are only prosecuted for credit card fraud and theft by deception when they steal someone elses' credit card and use it to buy stuff at a store. In that case, you are ruining someone elses' credit. But, I have yet to find even one instance where someone was prosecuted for using their own credit card and then not paying for it. Because the punishment is built-in: you ruin your own credit, which in turn, makes it nearly impossible to get loans or other credit cards, and it makes it very difficult to get jobs as well. And there's the built-in harrassment from creditors, collection agencies, and attorneys getting judgments against you, etc. So, in a sense, you are being punished for it.

On the other hand, when you file BK, you are asking the government to step in and force your creditors to forgive your debt, and then very different rules apply to the situation. And Trustees seem to relish the very idea of getting debtors in trouble. Unless, they're rich, of course, then they can get away with anything.

[so-beyond-broke]

Aren't CC suppose to verify information?

Sure the original person who started this post was not truthful on her application, but aren't the CC suppose to call your employer and verify how much you actually earn? When I fill out applications I might round up my salary to an even number i.e. 24,959 to 25,000 to make it look nice but it's the CC business to verify your information before extending credit to you. After all what do they look at when deciding to give you credit? I hope income is part of it!

sbb

[aa06a47]

Sure the original person who started this post was not truthful on her application, but aren't the CC suppose to call your employer and verify how much you actually earn? When I fill out applications I might round up my salary to an even number i.e. 24,959 to 25,000 to make it look nice but it's the CC business to verify your information before extending credit to you. After all what do they look at when deciding to give you credit? I hope income is part of it!

sbb

There is not way to make a turd smell like a rose here. To say or imply it is OK to give out wrong information on a credit application is setting yourself up for a world of hurt, especially if you can't make the payments. I doubt you would go to jail for rounding up a penny or a dollar, but rounding up 45k is severe.

Now, fraud in BK, would be that the credit card company will have to prove they were relying on the stated income to grant the credit limit. I am sad to say that the applicant must have know that he/she would not obtain credit with income of 5K per year. I think it would also be hard to prove in this case, that a person had any intention of ever paying the money back. I am not sure if when you sign that credit card application saying with penatly of fraud you state all this crap above is true actually has any wiggle room in it.

Now, with that said, someone with 5k on income cannot pay the debts back he/she racked up. You won't want to file bk in this case, because you'll be in front of a judge explaining why you lied on your petition. If he/she can wait long enough, the creditors might see the chapter 7, figure she lost her job, and move on to bigger fish to fry.

[scammer]

I disagree, but Goingdown probably has superior resources to myself, take his advice.

Expert advice from Goingdown;

I've done some research on the issue and as far as I can tell, people are only prosecuted for credit card fraud and theft by deception.



Scammer's call, most likely wrong;

I've done some research on the issue and I can tell through reading cases on Pacer people are prosecuted with help from the credit card issuer by the assistance of the US Trustee.

My Pacer bill expenditures I proudly announce are over $700, I enjoy reading them, plus it keeps me informed about my adversary, my Trustee. How many cases have you studied wise one?

Thanks Goingdown,
If I have any other issues I will let you know.

Love,
Scammer

Knowledge is Power, provided you have it, based on hard data.

[tresjolie]

I guess that is why your user name is not embraced so much and why the tone of your emails are also not always embraced. THe Merriam-Webster Online Dictionary defines scam as the following:

scam
One entry found for scam.


Main Entry: scam
Pronunciation: 'skam
Function: noun
Etymology: origin unknown
: a fraudulent or deceptive act or operation <an insurance scam>

I think utilizing the legal system within in its own merits is not scamming or manipulation it is SMART.
Scammer you have some very good points---sound a little bitter/cynical---but who doesn't at times. Life is hard and not fair and no one is entitled to anything. Glad your BK worked out well for you and sounds like your attorney utilized the system correctly and legally for your benefit.

[scammer]

I guess that is why your user name is not embraced so much and why the tone of your emails are also not always embraced. THe Merriam-Webster Online Dictionary defines scam as the following:

scam
One entry found for scam.


Main Entry: scam
Pronunciation: 'skam
Function: noun
Etymology: origin unknown
: a fraudulent or deceptive act or operation <an insurance scam>

I think utilizing the legal system within in its own merits is not scamming or manipulation it is SMART.
Scammer you have some very good points---sound a little bitter/cynical---but who doesn't at times. Life is hard and not fair and no one is entitled to anything. Glad your BK worked out well for you and sounds like your attorney utilized the system correctly and legally for your benefit.

Well I am not out of the woods yet, and I fully intended to print screw ups, upsets and disappointments I will experience with this process. I have not experienced any so far, knock on wood. I want to be a good contributor by posting these, If someone can pick something up like I have from other posts, that is great.