/biz/ - Business & Finance

[Anonymous No.54363229]

>the debt collectors are calling again

[Anonymous No.54363246]

>>54363229
AH GEEZ DOOD

[Anonymous No.54363259]

>>54363229
Why do you have debt in the first place?

[Anonymous No.54363271]

>>54363229
I am not leveraged.

[Anonymous No.54363278]

>>54363229
if you just tell them to stop contacting you they have to stop lmao
it in the FCRA

[Anonymous No.54363280]

>>54363229
try and psyop the debt collectors into killing themselves somehow?

[Anonymous No.54363553]

>Hello Wagie from Earth Rape Energy Inc.
>*hangs up*

[Anonymous No.54364380]

>>54363229
>blocks all calls
>spam box all emails
>delete all texts
>trash all letters
>ignore all in person verbals
Come and take them (denbts)

[Anonymous No.54364622]

>>54363553
>>54364380
Based

[Anonymous No.54364664]

>>54363246
Listen to Sam
https://youtu.be/Oijk6Ha6FmM

[Anonymous No.54364820]

I had to urgently get surgery because my intestines dropped into my balls.
Ikept getting calls and mails to pay for the hospital/surgery/anesthesia and ambulance. I owed several thousands which I only paid 200 back. I was going to set a payment plan but they stopped calling me

[Anonymous No.54366284]

>>54364820
Fuck em

[Anonymous No.54366804]

>>54364820
Listen to Sam Hyde's advice linked above!

[Anonymous No.54367243]

>>54363229
after 7 years that shit goes away just dont pay. change your phone number lol

[Anonymous No.54367291]

>>54363229
play dumb or troll them
>no this isn't anon
>....
>okay i lied this is anon
>i owe HOW MUCH?
>WOOOOOOWWWWWWWW
>what should i do?

[Anonymous No.54367584]

>>54367243
Unless they take you to court

[Anonymous No.54367641]

>>54367584
Court fees are expensive. Making everything a bureaucratic nightmare works in debtors advantage

[Anonymous No.54367663]

>>54367641
And if for some reason they do single you out of the 100 million with 10k debt, close your bank and start a new one. Now they need to go to court again

[Anonymous No.54367705]

>>54367663
I don't think you understand. They only need one judgment then they can collect to the extent the law allows in your state. That could be garnishment, property lien, freeze your bank account

[Anonymous No.54367774]

>>54367663
discover card is infamous for suing people in court for debt. they did it to my sister. she had to get a lawyer, go to court to delay summary ruling, and then quickly piece together a bankruptcy case. kek.

[Anonymous No.54367825]

>>54367705
Sure thing kike. Send me 100 more automated emails and then sell it to another collection agency. I'll be sure to pay back soon

[Anonymous No.54367886]

>>54367774
>discover card
Who? Lmao. The card from the 90s?

[Anonymous No.54367908]

>>54363229
I'm rich and could easily pay my debts but I just dont feel like doing that.
Like I already got what I wanted, why should I pay them back?
I also set up my finances in such a way that on paper I dont own anything so there is nothing they can take away from me.
Sometimes they send debt collectors to my "official" adress but its literally just an old matress on the floor and a broken microwave and they have to leave empty handed.

[Anonymous No.54367936]

AH JEEZ DUDE...
IM ON THESE PILLS... I LOST MY SHOE...
I HAVE TO PAY INSURANCE FOR MY CAAARRR.... JEEZ DUDE... MAN.... MONTHLY PLAN?.... I CAN DO LIKE..... 3 DOLLARS?

[Anonymous No.54367960]

>>54367936
If I was a debt paying cuck I'd probably try emailing them the sam hyde quote just to see automated response

[Anonymous No.54368058]

I mean, hypothetically, if you lived abroad, and you, hypothetically, had never read a single email or picked up a single phone call, and it had hypothetically been several years, there's nothing they can hypothetically do, right? Hypothetically speaking, of course.

[Anonymous No.54368079]

>>54368058
Yes but even opening emails is safe. The key parts is never verifying yourself if someone calls asking "is this chud" or making a payment
Depending on your state it is 6-7 years iirc

[Anonymous No.54368140]

>>54367243
7 years worked for me, 7 years of telling nigger jokes to the debt collectors and it all paid off. Finally got a credit above 500 shit is looking up.

[Anonymous No.54368174]

>>54368140
>muh credit score
Oh no gonna get refused a housing loan at 6%? AH GEEZ DUDE

[Anonymous No.54368189]

>>54363229
>>54363278
>>54364622
>>54367243
>>54367663
>>54368140

Anons… I owe a company 4k. They send emails and call once a month but haven’t seemed too serious yet. What happens if I don’t pay them? I don’t need credit because I have cash, so what should I do? I could pay pretty easily but I just don’t feel like it

[Anonymous No.54368194]

>>54368174
>housing loan
lmao no I'm just looking to debtmaxx properly this time.

[Anonymous No.54368215]

>>54368189
I owed like 5k and nothing happened. Just tell them nigger jokes it seems to work well.

[Anonymous No.54368217]

>>54368189
Ever been to jail? They charge you 2k court fees for a 3 month county visit. Imagine the paperwork involved for garnishment

[Anonymous No.54368229]

>>54368215
Don't listen to this anon. If you talk to creditors and they get you to confirm you are Dr Chud it will reset the forgiveness period

[Anonymous No.54368232]

>>54368217
You are such a Jew that it physically hurts me.

[Anonymous No.54368235]

>>54368217
What law am I breaking?

[Anonymous No.54368257]

>>54368235
None. The jail was to give you a point of reference of how retardedly expensive the legal process is
>>54368232
>pay debts or ill call you a jew
Kikes mad

[Anonymous No.54368290]

>>54368257
Well if it’s expensive for me it’s expensive for them too, so surely they would give some type of final warning like “hey anon this is your last chance before we sue you” or something like that right?

My understanding is that at every step of the process the easiest outcome for both parties is if I just pay which like I said I can do literally at any time.

I’m just getting an interest free loan of 4k by not paying on time lol

[Anonymous No.54368304]

>>54367908
Do you ever talk to them? Do they think you're unemployed? Do you have any property

[Anonymous No.54368310]

>>54367705
Can't freeze my BTC.

[Anonymous No.54369670]

>>54363229
Just pay your debts, faggot

[Anonymous No.54369771]

>>54369670
>bailout banks forever
>>j-just pay your debts you fucking goy

[Anonymous No.54369782]

>>54369771
Hilarious that youd think "just do it" would work on /biz/ of all places. Not buying your bags

[Anonymous No.54369829]

>>54363229
Just tell them that you want to meet somewhere to discuss your debt then keep rescheduling.

[Anonymous No.54370504]

>>54369829
Pay a homeless person $20 to slash their tires while they wait for you too.

[Anonymous No.54370865]

>>54370504
My local crack head (black) does it for free. They even call him 2 for free and he also tosses in complimentary rape.

[Anonymous No.54371558]

>>54363229
If you're already defaulted just give them a sob story and pay 15 bucks a month until you're 70.

[Anonymous No.54371601]

My white trash cousin bought a house back in like 2010 and then declared bankruptcy but her house was exempt because it's not worth a lot

I really admire her for that. Point being, just don't pay.

[Anonymous No.54371737]

>>54363229
Change your name. You're now Achmed Salah bin Jawheed. You don't know who this guy is that you're after debt monkey. Also can you grow a beard, I suggest you grow a beard, as long as possible. Pick up a free Quran and start spouting random shit from it if they come. Oh you said calling, and why have you not ditched the number you have?

[Anonymous No.54371765]

>>54369670
NO

[Anonymous No.54372110]

>>54368189
My mom owed some rentalyids 6k, never paid them a dime and fell off her credit score, legit don't answer your phone.

[Anonymous No.54372188]

The US credit score was created by jewsin the late 1980s

[Anonymous No.54372219]

>>54364664
This is extremely bad advice if you're in the UK, if you don't pay your debts they will send people to your house to basically rob you.

[Anonymous No.54373993]

>>54363229
Been there. Don't envy your position anon. Hopefully you're under 30 and still have time to pick yourself back up. I remember getting a call and I somehow owed around $1000. I had worked and saved and scrounged up $1300. I paid my debt, and used the other $300 to buy a bicycle. Lost my job shortly after that and was in the shit for about another 7 years. Finally got a job in Security at the age of 26 and it all went uphill from there. 31 now. Own a 1 bedroom apartment. Earn a good income (Got into IT), got a girlfriend (Sucks desu), have all the "toys" I want (Good PC, Good Laptop, Nice TV, Nice monitors (Dual 4K 144Hz), Xbox Series X, PS5, Switch, plus a bunch of vintage consoles I wanted with a decent games library, good home internet, money for groceries, bills, fun... Uhh, what else, oh yeah, a dope electric scooter (just for fun), Samsung Galaxy S20 Note, just... Everything I want I can get and still pay my mortgage comfortably.

Life isn't perfect. I want a house, or even just a bigger apartment. But, I'm not struggling anymore. I used to be a hopeless NEET failure who could hardly hold down a job. That's why I mention all this. Not to brag, but to let you know - You can make it. You still have time. You can still participate in the shitty fucking rat race.

[Anonymous No.54374037]

>>54373993
This. These stupid know-it-all zoomers quote Sam Hyde, and that dumb nigger is 40 trying to rebuild his credit, even though his dad paid for his fucking college and he got out debt free. Do the opposite of what that loser says.