...and read a few posts, and the "advice" that was being given to people just made your head SPIN?!?!?!
I was doing some research, and came across a "free legal advice" board that had a "bankruptcy and consumer credit" forum, and a child forum "debt collections."
Cripes, there was one guy who posted that he was being hounded by a debt collector for a debt from 1999, that the alleged debtor doesn't even remember. When he asked for proof, the DC refused.
The "advice" given? "Pay it or send a C&D letter, no one gets proof like that."
That advice came from a professional debt collector, so it may be just a little bit biased. Same guy also told a woman who had become homeless and yet was continuing to pay on her credit card bill, that she should have paid the Visa rather than used the money for shelter (in near freezing / winter conditions, no less).
In another thread a poster described an unfortunate situation, and a semi-new member replied "I'm sorry to hear of your troubles. Yes, sadly this is all legit." It was clear *to me* the guy was empathizing with the OP plight. A senior member replied with
"You think it's sad that folks need to pay their bills? Oh. Brother."
Another thread a guy asked what I saw as a perfectly legitimate question, detailed his situation, and asked "What do you think I should do?" He got back "I think you should pay your debts." My, now isn't THAT helpful...
And still another, a guy owns a used car lot, sold a car where he got $6k cash, and $12k was financed. The buyer brought car back after 60 days (it's not right, but it happens). The care dealer went to court, obtained a judgment, but couldn't collect because the buyer is retired military.
The same professional debt collector "senior member" told him it was "time to get creative." He suggested getting a 6 foot billboard sign, attaching it to the back of a truck, and parking in front of the guy's house.
I gotta wonder how many times that "professional debt collector" has been sued for his own conduct, if this is what he advocates.
I'm just...ya know, I thought I'd seen/hear/read everything. Guess not. My head is still spinning. I feel sorry for anyone not Internet sauuvy enough to search for other forums, and for anyone who accepts those answers as the "end all, be all."
I don't want to be bashing another forum (which is why I didn't post any links), but I tell you...it's like I fell into the twilight zone of debt/credit forums.
I was doing some research, and came across a "free legal advice" board that had a "bankruptcy and consumer credit" forum, and a child forum "debt collections."
Cripes, there was one guy who posted that he was being hounded by a debt collector for a debt from 1999, that the alleged debtor doesn't even remember. When he asked for proof, the DC refused.
The "advice" given? "Pay it or send a C&D letter, no one gets proof like that."
That advice came from a professional debt collector, so it may be just a little bit biased. Same guy also told a woman who had become homeless and yet was continuing to pay on her credit card bill, that she should have paid the Visa rather than used the money for shelter (in near freezing / winter conditions, no less).
In another thread a poster described an unfortunate situation, and a semi-new member replied "I'm sorry to hear of your troubles. Yes, sadly this is all legit." It was clear *to me* the guy was empathizing with the OP plight. A senior member replied with
"You think it's sad that folks need to pay their bills? Oh. Brother."
Another thread a guy asked what I saw as a perfectly legitimate question, detailed his situation, and asked "What do you think I should do?" He got back "I think you should pay your debts." My, now isn't THAT helpful...
And still another, a guy owns a used car lot, sold a car where he got $6k cash, and $12k was financed. The buyer brought car back after 60 days (it's not right, but it happens). The care dealer went to court, obtained a judgment, but couldn't collect because the buyer is retired military.
The same professional debt collector "senior member" told him it was "time to get creative." He suggested getting a 6 foot billboard sign, attaching it to the back of a truck, and parking in front of the guy's house.
I gotta wonder how many times that "professional debt collector" has been sued for his own conduct, if this is what he advocates.
I'm just...ya know, I thought I'd seen/hear/read everything. Guess not. My head is still spinning. I feel sorry for anyone not Internet sauuvy enough to search for other forums, and for anyone who accepts those answers as the "end all, be all."
I don't want to be bashing another forum (which is why I didn't post any links), but I tell you...it's like I fell into the twilight zone of debt/credit forums.
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