wish i taped my convo with credit card manager

[ttwarrior1]

i offered him 500 points to whipe out one payment

Told them last week not to take anything out of my checking account or i will be overdrawn

Luckily my bank doesn't put payments through on sat or sunday and still haven't yet. So i just
called and made a stop payment that cost 25 bucks. Now i have to run to the bank in the next hour
to put in 25 bucks. Payment was 109 bucks

I told discover to get it over with and sue me and to cancel the rest of my payment agreement. He said
ok but now they will raise my interest back up and continue to charge me late fees.

I had nothing else to say but ok; I said sometimes relatives give me money for christmas then i would be able to make a possible payment.

[blackbeSSt]

why do you have a checking account if you are homeless?

i still can't believe you would rather be sued then file bankruptcy.

[Naz18]

[ttwarrior1]

uh im not homeless and not filing for bankrupcty so get over it. just almost homeless. There is a difference and they said they rather not sue and try to avoid so. If you read the post they said they would raise my interest and charge late fees. They wouldn't be doing that if they were suing plus they have to wait a certain amount of days.

[blackbeSSt]

uh im not homeless and not filing for bankrupcty so get over it. just almost homeless. There is a difference and they said they rather not sue and try to avoid so. If you read the post they said they would raise my interest and charge late fees. They wouldn't be doing that if they were suing plus they have to wait a certain amount of days.

so you are looking to get sued correct?

[ttwarrior1]

not really getting sued.I guess you don't have problems of cc companies calling you everyday saying knock on a neighbors door
and ask to to cut down a tree and sell it for firewood.
yes id rather be sued then pay 109 a month to discover. they won't sue though or at least not for a couple years or so probaly.

I already told you I would not file bankrucpty over 5 k. Plus i already said where i live in kentucky. You can only file because
of credit cards in certain circumstances and even if i was wrong. I still would not.
And even if I could i doubt i could make it to meet with an attorney or go to bankrupcty court which is an hour and 30 min away on that day anyway. I have other obligations.

[blackbeSSt]

not really getting sued.I guess you don't have problems of cc companies calling you everyday saying knock on a neighbors door
and ask to to cut down a tree and sell it for firewood.
1. yes id rather be sued then pay 109 a month to discover. they won't sue though or at least not for a couple years or so probaly.

2. I already told you I would not file bankrucpty over 5 k. Plus i already said where i live in kentucky. You can only file because
of credit cards in certain circumstances and even if i was wrong. I still would not.
And even if I could i doubt i could make it to meet with an attorney or go to bankrupcty court which is an hour and 30 min away on that day anyway. 3. I have other obligations.

1. and in those 2 years you will keep getting the calls and letters in the mail. your only bet is to drop ALL contact with them.

2. that is bullshit and i've already proven that you can. need i bring those posts back up?

3. i guess working full time isn't one of those obligations is it warrior?

[Dirty Sanchez]

Dude just go out in a blaze of glory...don't pay your any bills and just wait for jail. You'll get room and board for nothing...all you've got to be open to is getting your ass split open by a complete stranger....no biggie

[ttwarrior1]

Hey mother fucker i already said

1. Ive tried to drop all contact with them. yes i have ******* caller id.
2. I already read your stupid posts about proven that i can. Can does not mean always can dude. Plus i already said i won't. can you ******* read.
3. I do work full time, even more than that for free and have no choice. No wonder black is in your name. Your probaly related to vick

[ttwarrior1]

Dude just go out in a blaze of glory...don't pay your any bills and just wait for jail. You'll get room and board for nothing...all you've got to be open to is getting your ass split open by a complete stranger....no biggie

Actually our jail is all single cells. No 2 people allowed in the same cell at any time ever under any
circumstance.
No thanks on the jail thing though

[blackbeSSt]

Hey mother fucker i already said

1. Ive tried to drop all contact with them. yes i have ******* caller id.
2. I already read your stupid posts about proven that i can. Can does not mean always can dude. Plus i already said i won't. can you ******* read.
3. I do work full time, even more than that for free and have no choice. No wonder black is in your name. Your probaly related to vick

how hard is it to not pick up the phone then? seems like you are making it hard on yourself by talking to these people don'tcha think?

Actually our jail is all single cells. No 2 people allowed in the same cell at any time ever under any
circumstance.
No thanks on the jail thing though

doesn't matter. you CAN NOT be put in jail for credit card debt. doesn't matter where you live.

[ttwarrior1]

pick up the phone and do what??? I already told them to stop calling me. its always a different person calling and they always say they will write whatever down. They have a few thousand agents that call people i assume. Sometimes the call is in utah usually , but sometimes its colorado, illinois, new jersey

[blackbeSSt]

pick up the phone and do what??? I already told them to stop calling me. its always a different person calling and they always say they will write whatever down. They have a few thousand agents that call people i assume. Sometimes the call is in utah usually , but sometimes its colorado, illinois, new jersey

thats your problem. don't answer the phone. if you don't recognize the number, don't answer.

tt are you starting to sense i know what im talking about and have been in your shoes here buddy? if not here's a hint, i have.

you're only other option is a settlement. offer 15% of the balance and see where that goes. that's $750 on a $5k balance. if you haven't made a payment in 90+ days try it. see how quick their tune changes once you start talking settlement.

[RudyRuetigger]

i offered him 500 points to whipe out one payment

Told them last week not to take anything out of my checking account or i will be overdrawn

Luckily my bank doesn't put payments through on sat or sunday and still haven't yet. So i just
called and made a stop payment that cost 25 bucks. Now i have to run to the bank in the next hour
to put in 25 bucks. Payment was 109 bucks

I told discover to get it over with and sue me and to cancel the rest of my payment agreement. He said
ok but now they will raise my interest back up and continue to charge me late fees.

I had nothing else to say but ok; I said sometimes relatives give me money for christmas then i would be able to make a possible payment.

Why would they want to sue you? You can only make min payments and your balance never drops any. You are their perfect customer

[unusialsusp5]

we all know you're making this up because no one is that dumb. ignore them and they will go away. send them money and they will never go away.

[ttwarrior1]

you must of never owed money unisialsusup. I answer the phone but usually only because they end up calling my relatives, and even my neighbor once. Sometimes they call with a number that isn't discover card , or id will say something different like trying to fool me.

Plus i have other people here also, they will answer the phone because it might ring over 30 times in one day, even at 5 am and 9 pm

[robmpink]

Can you give coanwe another 10 points so you pay him in full for baseball? If so, you and I would be the only 2 to have paid him. Lesson learned.............. never bet with sbr folk unless you have funds in escrow. 20 points each to the winner, 10 teams. Are you kidding me?

[Richkas]

This guy is using handicapped relatives as an excuse to be a bum. Gotta remember. KY is full of hillbillys.

[blackbeSSt]

you must of never owed money unisialsusup. I answer the phone but usually only because they end up calling my relatives, and even my neighbor once. Sometimes they call with a number that isn't discover card , or id will say something different like trying to fool me.

Plus i have other people here also, they will answer the phone because it might ring over 30 times in one day, even at 5 am and 9 pm

ahhh yes, skip tracing. it took 2 times from discover to call my parents before i took matters into my own hands.

tt you are limited on your options if you don't wanna file bk dude.

like i said your best option is the settlement route. gotta be 90 days+ late though

[ttwarrior1]

thought i only owed him 20 total points??? I think only me and one other have paid, i have no idea
who you are though

Can you give coanwe another 10 points so you pay him in full for baseball? If so, you and I would be the only 2 to have paid him. Lesson learned.............. never bet with sbr folk unless you have funds in escrow. 20 points each to the winner, 10 teams. Are you kidding me?

[robmpink]

thought i only owed him 20 total points??? I think only me and one other have paid, i have no idea
who you are though

Dirty Jerzey. I will never join a Fantasy league again without funds held. Nice run for third. I was maxed out on pitching. Never knew of the rule. I was doing the same thing as you by switching pitchers daily.

[Brock Landers]

Remember, there are no DEBTOR Prisons anymore LOL

worst they can do, within 7 years, is get a judgement and garnish your wages, and then only 15% per paycheck.
fuk them

[OMGRandyJackson]

What did you buy to get barreled in? ANd how much do you owe total lol?

[fsugolf]

he said he owes around 5k total

[OMGRandyJackson]

What a scrub.

[ttwarrior1]

it was for medical billsmother fucker, get off my back. Challenge me gay randy jackson

[thechaoz]

Trust me, you will NEVER be sued for that amount. If you don't have any decent amount of income/property/accounts it's not even remotely worth it to hire a lawyer and go to small claims etc for them. They will pass your debt along and it will bounce between collection agencies for a while but eventually die down.

I worked in this industry for a few years. It sucks for your credit, yes. You will not be sued. So don't lose sleep over it.

[opie1988]

Here's a thought.....Why don't you pay what you owe? Discover covered you on your "medical bills".....the least you could do is fulfill your part of the obligation. I love when people want to renegotiate the terms after the fact. That wasn't the deal. You "already told them not to call anymore"? So you would rather them not bother you about the 5k you owe them? How inconsiderate of them to call you at such hours to try and collect $ that some stiff owes them. You knew the agreement when you got the card. People like you are the reason our country is struggling. Pay your bills. Regardless of the circumstances. A man doesn't duck people he owes.

[Ninersnut]

With all the fvckin freerolls and freeplays this guy is wrapped up in why cant he pay his CC?

[Ninersnut]

Trust me, you will NEVER be sued for that amount. If you don't have any decent amount of income/property/accounts it's not even remotely worth it to hire a lawyer and go to small claims etc for them. They will pass your debt along and it will bounce between collection agencies for a while but eventually die down. I worked in this industry for a few years. It sucks for your credit, yes. You will not be sued. So don't lose sleep over it.

Yeah don't worry about it cause Credit means nothing in this country. Enjoy the 40% interest on any CC you may open in the future and kiss that morgage and car note goodbye. Is 5k worth how much it is going to cost you over your lifespan when banks keep nailing you in the ass? Some people do not think.

[OMGRandyJackson]

it was for medical billsmother fucker, get off my back. Challenge me gay randy jackson

Keep making those excuses. It does not matter what you had to use your CC for. You owe the money, you won't pay, you're a scrub. Simple.

[ttwarrior1]

ive been paying 109 a month for 2 years and balance only going down like 20 bucks a month because of interest, charges, etc , ive just had enough

[unusialsusp5]

if you've had enough then stop paying. what do you care if someone sues you down the line. it is the only way to get out of it. you will be declared indigent by the judge and that will end it. brock landers is correct he knows his stuff. read his earlier post concerning you. you don't even have a problem except you don't know how to deal with loan vultures. go on the offensive with them. they will sell it to another agency and it will get thrown out in time.

[OMGRandyJackson]

ive been paying 109 a month for 2 years and balance only going down like 20 bucks a month because of interest, charges, etc , ive just had enough

Maybe you should not have gotten a credit card then eh....