Have you ever declared for bankruptcy

[rake922]

Just read an article that indicated 1 and 5 people with gambling problems end up declaring bankruptcy... I found that interesting and thought of the crew on SBR.........

[gordon gekko]

Nope.

[Nicky Santoro]

not yet, but pretty soon probably.. the way these past few months have gone, i will be declaring bankruptcy by week 2 of the NFL..

[daggerkobe]

Yes 4 times.

[Tsoprano]

nope

[pavyracer]

If you declare bankruptcy do the loan sharks leave you alone?

[rake922]

Nope.

you told us you weren't even old enough to drink....

[Marigold HD]

no, but thought about it once 7 years ago

[louisvillekid]

no, but i have shitty credit, i may as well sign my name as "Mud" or "Crap" when i sign up for credit. I pay cash for most things.

[jjgold]

yes

Because of gambling

[picantel]

no, but i have shitty credit, i may as well sign my name as "Mud" or "Crap" when i sign up for credit. I pay cash for most things.

If I recall you are pretty young so it would all clear up in 7 years unless illegally re-aged. Is it full of late credit cards or collection agency crap? Getting calls and abused? ect

[compaqDikk]

don't file, just let debts go away that way when you fill out job apps and it asks if you filed chapeter 11, you can honsestly say NO

[durito]

or you can pay your debts and your credit will get better on its own

[louisvillekid]

If I recall you are pretty young so it would all clear up in 7 years unless illegally re-aged. Is it full of late credit cards or collection agency crap? Getting calls and abused? ect

i'm 35, the other Louisvillekid1, was like 20-21. yeah most of my bad credit over the years was from being a young partier, and just being late on shit all the time. i did get this one credit card when i was 18, and after being like 3-4 months behind on late fees and stuff they ended up canceling it, my limit was only like 700, and i owed like 900 something, i ended up just never paying them, they sent me bills for a long time, then some collection place tied to sent me a bill for like 1200, that went on for years, then i heard nothing, then out of the blue another collection company started trying to get like 2000 from me, i remember calling them saying it had been like 10 years, they said something like they were in Ohio and purchased my dept from the other collection company and they don't have 7 year statutes in Ohio or something, i just said "good luck getting the money i ain't paying." That went on for a few years of them sending bills, then nothing, now just in the past year another collection company in like California has it, and they are trying to get like 3700 from me for a credit card from 1991 that was cancelled with like a 900 balance.

[compaqDikk]

or you can pay your debts and your credit will get better on its own

that goes against SBR;s Mission Statement man

[picantel]

i'm 35, the other Louisvillekid1, was like 20-21. yeah most of my bad credit over the years was from being a young partier, and just being late on shit all the time. i did get this one credit card when i was 18, and after being like 3-4 months behind on late fees and stuff they ended up canceling it, my limit was only like 700, and i owed like 900 something, i ended up just never paying them, they sent me bills for a long time, then some collection place tied to sent me a bill for like 1200, that went on for years, then i heard nothing, then out of the blue another collection company started trying to get like 2000 from me, i remember calling them saying it had been like 10 years, they said something like they were in Ohio and purchased my dept from the other collection company and they don't have 7 year statutes in Ohio or something, i just said "good luck getting the money i ain't paying." That went on for a few years of them sending bills, then nothing, now just in the past year another collection company in like California has it, and they are trying to get like 3700 from me for a credit card from 1991 that was cancelled with like a 900 balance.

If you need any help let me know. picantel@gmail.com. you can go to annualcreditreport.com and get your report for free once a year. That is federal law. I can always look at it if you want and tell you what should be there and what should not.

[rake922]

how do you cancel a card which you owe money on?

[SlickFazzer]

yes

Because of gambling

Was it difficult to get back on your feet JJ? You seem to be thriving now.

[donjuan]

You call them and cancel it. You still owe the money.

[rake922]

fascinating data

[Boner_18]

don't file, just let debts go away that way when you fill out job apps and it asks if you filed chapeter 11, you can honsestly say NO

I forget the section of BAPCPA (the most current version of the federal bankruptcy code), but employers are not allowed to discriminate against you b/c of your bankruptcy status...

Whether or not they do is a different story I guess...

[TodaysAction]

Wow the non-fillers have 23 votes whilst the filers 3. Damned near 8:1. How would have thunk it?

[fiveteamer]

i'm 35, the other Louisvillekid1, was like 20-21. yeah most of my bad credit over the years was from being a young partier, and just being late on shit all the time. i did get this one credit card when i was 18, and after being like 3-4 months behind on late fees and stuff they ended up canceling it, my limit was only like 700, and i owed like 900 something, i ended up just never paying them, they sent me bills for a long time, then some collection place tied to sent me a bill for like 1200, that went on for years, then i heard nothing, then out of the blue another collection company started trying to get like 2000 from me, i remember calling them saying it had been like 10 years, they said something like they were in Ohio and purchased my dept from the other collection company and they don't have 7 year statutes in Ohio or something, i just said "good luck getting the money i ain't paying." That went on for a few years of them sending bills, then nothing, now just in the past year another collection company in like California has it, and they are trying to get like 3700 from me for a credit card from 1991 that was cancelled with like a 900 balance.

these are junk debt scum pricks. They prolly bought your debt for $2.65, and are trying to squeeze 4 large out of you. **** them. The SOL has long run out.

[jjgold]

Was it difficult to get back on your feet JJ? You seem to be thriving now.

Slicker I own nothing

THE BANK OWNS ME