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Shitty day

Blogs > {CC}StealthBlue
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{CC}StealthBlue
Profile Blog Joined January 2003
United States41117 Posts
February 13 2009 21:59 GMT
#1
On Friday of all days. If I don't pay $490.00 by 430 PST, and two more monthly payments of $490.00. Or all of a $1470.61. The debt will go under audit and what was explained to me involves the state, court and god knows what else. They only take payment from CC, or Check which both I don't have due to debt because of said debt. God damn. My only hope is to pay them from someone else check # etc. As I would pay the person back. I could ask my grandmother but that would be making pact with the devil in a sense with it hanging over my head and me never hearing the end of it.

I am so fucked.

*
"Smokey, this is not 'Nam, this is bowling. There are rules."
micronesia
Profile Blog Joined July 2006
United States24751 Posts
February 13 2009 22:01 GMT
#2
If you want some advice offer the background. If you just felt like venting then I'll say that I don't feel your pain and I don't envy your position. If it makes you feel better, the way things are lately, you aren't the only one by any means.
ModeratorThere are animal crackers for people and there are people crackers for animals.
onihunter
Profile Blog Joined September 2008
United States515 Posts
February 13 2009 22:03 GMT
#3
It's Friday the 13th.
jaedong forever~
QuanticHawk
Profile Blog Joined May 2007
United States32098 Posts
February 13 2009 22:04 GMT
#4
Yeah, I'd bite the bullet and just go ask grams or another family member. Nagging from someone/permanent owesies status is a lot better then getting your asshole reamed out by the state or some credit collection agency
PROFESSIONAL GAMER - SEND ME OFFERS TO JOIN YOUR TEAM - USA USA USA
PH
Profile Blog Joined June 2008
United States6173 Posts
February 13 2009 22:13 GMT
#5
Ask your grandma.
Hello
Dknight
Profile Blog Joined April 2005
United States5223 Posts
February 13 2009 22:41 GMT
#6
Why do you owe that much to begin with? O_O!
WGT<3. Former CL/NW head admin.
paper
Profile Blog Joined September 2004
13196 Posts
February 13 2009 22:41 GMT
#7
On February 14 2009 07:13 PH wrote:
Ask your grandma.

Hates Fun🤔
{CC}StealthBlue
Profile Blog Joined January 2003
United States41117 Posts
Last Edited: 2009-02-13 22:54:27
February 13 2009 22:54 GMT
#8
Okay apparently that is just the CC debt I owe which sucks even more. When I first got the CC I mainly used it to buy Books, pay for fees for college, and food. It had a 1k limit, the rest I assume is interest. The problem is I can't get a checking account due to I owe regions and no bank will give me a checking account when I owe money to another.
"Smokey, this is not 'Nam, this is bowling. There are rules."
Spartan
Profile Blog Joined July 2005
United States2030 Posts
February 13 2009 23:34 GMT
#9
Did you default on your CC?
# http://nkspartan.com (web engineer)
# TL member since July 2005; CEO of Vile Gaming; President of Team Vile
Domestica
Profile Blog Joined October 2005
United States411 Posts
February 13 2009 23:51 GMT
#10
On February 14 2009 06:59 {CC}StealthBlue wrote:
They only take payment from CC, or Check which both I don't have due to debt because of said debt. God damn. My only hope is to pay them from someone else check # etc. As I would pay the person back.


you can purchase a money order at the post office so you don't have to involve another party
Piy
Profile Blog Joined January 2008
Scotland3152 Posts
February 14 2009 00:44 GMT
#11
the following events take place between 3 pm and 4 pm.

Have you tried running away? Or not getting into debt in the first place?
My. Copy. Is. Here.
Rotodyne
Profile Blog Joined July 2005
United States2263 Posts
Last Edited: 2009-02-14 01:41:10
February 14 2009 01:41 GMT
#12
Yup, escape to another country and create a new identity
I can only play starcraft when I am shit canned. IPXZERG is a god.
cujo2k
Profile Joined October 2007
Canada1044 Posts
February 14 2009 02:01 GMT
#13
[image loading]
THE ANSWER IS 288
nofAcedAgent
Profile Blog Joined July 2007
United States952 Posts
February 14 2009 02:56 GMT
#14
Credit card collectors will say just about anything to scare you into paying.. dont take any guff from those fucking swine!
eXigent.
Profile Blog Joined February 2007
Canada2419 Posts
February 14 2009 03:03 GMT
#15
On February 14 2009 11:56 nofAcedAgent wrote:
Credit card collectors will say just about anything to scare you into paying.. dont take any guff from those fucking swine!


rofl, so your advising that he argues with debt collectors? Do you have any "faster" way into jail, im just curious lol
Kennelie
Profile Joined December 2007
United States2296 Posts
February 14 2009 04:28 GMT
#16
Bro I feel your pain. I got audited when I was 19 and didn't receive no income tax for the next 2 1/2 years. It fucking sucked. I got audited by the IRS thou.

I don't know where you are from but here in TX banks allow you to open up another account if you have a descent amount of deposit to open the account. I know a few friends that have done it while they had negative balances in other banks. Meh I been with BOA since 1998.
ya had ya shot kid!
Kennelie
Profile Joined December 2007
United States2296 Posts
Last Edited: 2009-02-14 04:36:30
February 14 2009 04:33 GMT
#17
On February 14 2009 12:03 eXigent. wrote:
Show nested quote +
On February 14 2009 11:56 nofAcedAgent wrote:
Credit card collectors will say just about anything to scare you into paying.. dont take any guff from those fucking swine!


rofl, so your advising that he argues with debt collectors? Do you have any "faster" way into jail, im just curious lol

Actually they wouldn't really search him down to lock him up. I am sure the government has better things to be doing instead of tracking down a college guy that couldn't pay his credit cards. I believe Americans have some shitty credit card debt. I vouch for this b/c BOA gave me a 5k limit by the time I was 18. I used 1.8k of it and haven't paid it yet. That's a whole different story thou.

I would say ask your grandma and make sure you have the dignity to pay her back. She's your love of the family. If you don't want this mess to continue. If she loves you(which im sure) she will help you out.

Edit: Oh and I haven't paid the BOA credit bill in about 3+ years. Now like every 6 months I receive a letter from some debt recovery agency thats basically a lawyers office.
ya had ya shot kid!
floor exercise
Profile Blog Joined August 2008
Canada5847 Posts
Last Edited: 2009-02-14 05:04:03
February 14 2009 05:02 GMT
#18
Here's a tip don't take advice from someone who hasn't paid 3 years of cc debt

Don't spend money you don't have or aren't 100% guaranteed to have by the time your statement comes around with credit. Credit cards can be an easy way to build some credit, or a great way to obtain ridiculous amounts of debt very quickly. Get the money off grandma cause she isn't going to charge you 30% interest like your shitty student visa will.

If you are too dumb to use a credit card responsibly get a debit card. A lot of people claim credit card companies prey on students who are too irresponsible to understand concept of credit, but honestly you are fucking retarded if by the age of 18+ you don't understand what debt is and why it is bad.

Also get a part time job if you can't afford $400 a month
Red.Cloud
Profile Joined September 2007
Canada235 Posts
February 14 2009 05:22 GMT
#19
On February 14 2009 11:01 cujo2k wrote:
[image loading]



ROTFLOL!!!!
FuDDx *
Profile Blog Joined October 2002
United States5008 Posts
February 14 2009 05:34 GMT
#20
On February 14 2009 14:02 floor exercise wrote:
Here's a tip don't take advice from someone who hasn't paid 3 years of cc debt

Don't spend money you don't have or aren't 100% guaranteed to have by the time your statement comes around with credit. Credit cards can be an easy way to build some credit, or a great way to obtain ridiculous amounts of debt very quickly. Get the money off grandma cause she isn't going to charge you 30% interest like your shitty student visa will.

If you are too dumb to use a credit card responsibly get a debit card. A lot of people claim credit card companies prey on students who are too irresponsible to understand concept of credit, but honestly you are fucking retarded if by the age of 18+ you don't understand what debt is and why it is bad.

Also get a part time job if you can't afford $400 a month



what he said. Only twice.
https://www.facebook.com/pages/Balloon-Man-FuDD/237447769616965?ref=hl
{CC}StealthBlue
Profile Blog Joined January 2003
United States41117 Posts
Last Edited: 2009-02-14 06:06:38
February 14 2009 06:03 GMT
#21
I talked to another guy there and he kept telling me I can get a prepaid Visa from like Wal-Mart in which I told him I don't have $490 dollars to put on a fucking prepaid card. He then suggested opening a checking account. So I explained again how that was impossible. So I said fuck it and told him to go through the audit if they wanted to go through the trouble to collect $1,470.61 from a 23yr old full time student and collect it from my paycheck. Which I asked if they could do which they kept giving me the runaround. So I guess I will go to court and have my fate left up to a judge.

Also I can't ask my grandmother, there is always the possibility that she would say no, but there would be immediate tension between her and my mother which is the last I need.

Also AFAIK TN state law states that it is illegal in regards to civil law for prison time if a person is in debt. This is CC debt, not alimony, or child-support.
"Smokey, this is not 'Nam, this is bowling. There are rules."
Etherone
Profile Blog Joined November 2008
United States1898 Posts
February 14 2009 09:33 GMT
#22
You have to go through the falling down in order to learn to walk. It helps to know that you can survive it. That's an education in itself

i believe you are familiar with this ; )

get a part time job.
xxsaznpride
Profile Blog Joined July 2008
United States506 Posts
March 02 2009 21:46 GMT
#23
On February 14 2009 15:03 {CC}StealthBlue wrote:

Also I can't ask my grandmother, there is always the possibility that she would say no, but there would be immediate tension between her and my mother which is the last I need.


Of course there's the possibility she'll say no. Don't know how this'd create tension between her and your mom, but it REALLY shouldn't matter too much if she says no seeing as you'd be in the same situation anyway.

Just ask her. No is no, yes is awesome. I haven't read the whole thread, but a) why not ask your mom, and b) she doesn't need to know that you ask your gramma unless she brings it up herself as an option.
“Life is too short to embrace a woman I don’t love. I also think a woman’s life is too short to be embraced by a man she doesn’t love.” | CSGO: Cure Moonlight
Raithed
Profile Blog Joined May 2007
China7078 Posts
March 02 2009 21:59 GMT
#24
On February 14 2009 11:01 cujo2k wrote:
[image loading]

lmao holy fuck. i laughed..
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