Fuck buddy no credit cards or sign up
I was a little kid but I felt scared and didn't know why. My dad was too trusting and too sad and died from the cocktail of both. All of this is to say: your character creates your future.
Now collection agencies start calling you day and night. Or if you answer the phone, record the conversation. That's where all the mansions come from while you were struggling to pay your mortgage. Or worry about killing yourself or feeding your kids. You weren't trying to be bad, but (as the banks already modeled) sometimes bad things happen to good people. I was also late on a state tax return (but not federal). Just those two things and because I have no credit cards (so no opportunities to show regular payments) my credit score fell from 780 to 580. The investors in the hedge fund make money but mostly the hedge fund manager gets enormous fees off of the money they collect. But you don't deserve to struggle with your mortgage either. In the confusion of houses and misery and despair and kids were scared and "nothing will ever be the same", we were a few days late on two mortgage payments in a row. This is all happening between three and 12 months after you stopped paying on your debt. One card, with First Premier Bank, even had interest rates go as high as 80%. The question was this (verbatim): "Hi James, Please please help me. Answer: DON'T PAY YOUR CREDIT CARD DEBT if it is hurting the rest of your life. Then the courts just give the credit card companies your money. North Carolina and West Virginia, for whatever reason, are the worst states if you are a buyer of batches of bad credit card debt. But they might only pay 2 cents on the dollar for those. I was an expert at solving Rubik's Cube when it first came out and was popular.
told me he would publish a book with my formulas if I wrote them down. I bragged in school I was going to be a published author. She said, "You can't say it again until it happens." I ended up not finishing it.
Again, I know this because I know the hedge funds that are the ultimate beneficiaries (not the banks, or the credit card companies).
They'll take it because it's like free money for them. They are pretty happy to collect on anything so they will probably say yes.
It's "I will do X, and if I don't satisfy my responsibility, you can do Y". And this is how banks make money: the difference between that 20% (give or take) and 0%. There's about a trillion dollars in credit card debt out there. They have 100 Ph Ds who have already modeled out how many people will default. Why would a hedge fund buy your debt once you start to default? They outsource to either collection agencies or law firms in your local area to collect from you. What would happen if everyone followed this advice? And if you owe $10 and have $100 in the bank, you might as well pay your credit card debt.
Now the banks have to do their end of the contract. (but I'll get to that in a second...) By the way, the banks don't even care. They buy your debt for three cents on the dollar and they might, on average, collect eight cents on the dollar. Default in the credit card industry is, by itself, an entire industry that many people benefit from. But here's the good news: not everyone will follow this advice. But if you are struggling and your kids need food and your marriage is at stake and you lost your job, then simply stop paying your credit card debt and follow the process I describe above. I would say mortgage debt also but that's another post.
couldn't pay him back "yet." This call happened at least once a week.