Collection Strategy

[HHM]

Hello Everyone,

The point is the strategy worked.

A good, decent human being is now on the road to getting his life back together.

What was avoided was 6 months of hell by an industry that could care less about its prey or the consequences of their actions.

If there is a distinction perhaps it is the credit/collection industry deals in criminal behavior that is legal while what was done here was perhaps illegal but ethical and the right thing to do.

At the end of the day I had rather be judged as someone who helped the underground railroad than one who turned the fugitives in to be returned to their masters.

Their masters can all kiss my confederate well you know.

Sorry to get animated in all of this but sometimes there are far more important things than the law. Things such as decency, fair play, and the welfare of our fellow human beings.

The point is, the applying for credit with false employment information appears to be totally unnecessary part of the strategy to achieve the goals. Its not clear what this aspect of the plan was supposed to accomplish.

[tobee43]

The point is that to prove intent, you don't actually need to access the state of the mind of the individual. The goal of the person trying to prove fraud is to demonstrate that the bad acts occurred such that the actions could not be explained but for fraud.

i do believe this is a question on many minds and of concerns when filing bk. thanks, i think your answer has relieved many....or not.

[catleg]

One would think that if the issuing bank's card issuance and activation procedures are any good, that even if the card fell into the wrong hands it could not be used. Rendering the whole discussion moot.

Of course if they're dumb enough to send balance transfer checks, and they often are, then hmmm. Who is really to blame for criminal stupidity, the bank or the customer?

[late49er]

The applying for credit was not about obtaining credit. The assumption was that the credit would not be granted.

The goal was to fuzzy up the credit file with addresses, places of employment, phone numbers, etc., that would frustrate the credit process of collection.

Just using their data collection system to send them on a merry chase. The prey went in one direction, the lions and jackels went in another direction. Once they found the bowling alley they would realize they were up the wrong alley.

Just a way of hiding so the wolves can eat on someone else.

Worked well. Overwhelm them with b.s. and they will choke on it.

[MSbklawyer]

Hello Everyone,

The point is the strategy worked.

A good, decent human being is now on the road to getting his life back together.

What was avoided was 6 months of hell by an industry that could care less about its prey or the consequences of their actions.

If there is a distinction perhaps it is the credit/collection industry deals in criminal behavior that is legal while what was done here was perhaps illegal but ethical and the right thing to do.

At the end of the day I had rather be judged as someone who helped the underground railroad than one who turned the fugitives in to be returned to their masters.

Their masters can all kiss my confederate well you know.

Sorry to get animated in all of this but sometimes there are far more important things than the law. Things such as decency, fair play, and the welfare of our fellow human beings.

You remind me of me. The world could use more people like us.