Lol! Don't worry,i been around the block quite a few more times than him.He just reminds me of myself 25 years ago. Suggest some of you younger guys watch the film 12 Angry Men
I gotta admit, dodging the collectors can make one a little jumpy... I was at the library recently.. some snarky woman says... "oh, we need to update your data here, what is your address?"... I objected and complained to the management... they still check books out to me and when the woman sees me she always gets up and heads off to the far end of the place... I had a relative that worked in a different library system, she told me that the records are wide open to all the employees and they have SSI numbers and everything. I asked her to clear out my info just on general terms... that was before I defaulted. It was obvious that anybody working in the system could be selling info to anybody... the education sector is even worse, up until recently they were posting grades publicly next to the student's SSI number, I knew a woman that got ID theft via that route... education pays!! The State of California where I live passed laws about public sector info, it's not to be made public at all... how the collectors are going to catch up with me is via wifey, she doesn't play along, I'm telling her what I can pull out of the deal, all the stuff that I cooperate on with her but.... she's a last born... they don't cooperate typically... if it was just me, piece of cake, number one rule is don't give out address info... it makes job interviews a little sticky... they always say "but you can't drive from there", and I say, "uuhhh I don't live there, that's my billing address".. and then they say "Oh, I see" with a look that says that they actually don't see it at all... I'm sure that when they run the credit check they get it... I did interview for a job very recently where it was obvious that they needed me so bad... it's a very narrow skill set that I have and a vacancy can take years to fill, maybe if they don't hire me they are risking never, ever, filling the position.. I'm going to laugh at ET if they hire me in spite of the credit history...
LOL, actually we're rooting for you to get the job. So the Man can finally get your taxes, and one day, garnish your wages. This is too funny...that you don't even realize that you provided your SS number to do a credit check...hello? You do realize that credit card companies are in bed with these credit check facilities? God, I hope you get this job. And at least someone in your family has a backbone. Go wifey.
This is the reason i got straight and got my credit back.Unfortunately,if you have a risk taking personality (which i suggest most traders do),particularly in your youth,you can easily make mistakes that can affect your life for years.In my case,none of the stuff i did was particularly serious,but i admit i did cut corners to try to get ahead in life.It doesn't really work,and while ducking and diving seems exciting when you're younger,you end up conforming because it is actually less hassle.I have been self employed my whole life,apart from the first 2 years after school.When you work for yourself you tend to work harder than for someone else.And we live in a society that provides rewards for those prepared to work for it. I believe that most people are basically good and there are relatively few who are a menace to society.But i have met a lot of people who society disaproves of,despises even,whose experiences would almost have you in tears.A girl i met once was on crack basically because she couldn't deal with the fact that her father was so violent that he had put her sister in a wheelchair.There's a million stories out there.If nobody helped that girl she is probably a prostitute by now,in prison or dead.If she had been born in another family,her life would have been totally different.
You better stick with the conventional wisdom there... people that don't, well they have to think. The company gets the "billing address", that I spoke of quite plainly in my last post [why do people read my posts anyway, when they don't really read them, says something about conventional wisdom, it allows you to have a knee jerk reaction which maybe actually raises your serotonin or something I suppose.... ] and the collectors need my current address to serve papers... my task, should I accept the challenge, is to keep that info from the employer... for goodness sakes, people have kept several different wives and children completely separate for decades before, I think I can manage this... For that matter why do people read my posts at all? I just post about anything at all to polish my writing skills really... politics is good for that, try defending the recent Republican ticket sometime, that will get your debating skills honed to a fine edge... I can type about a hundred words a minute, that means I can supply about ten times the number of words that the typical poster can muster... I could even argue with the chronic cut and pasters in my [typing] prime...
For what its worth, I doubt spanish's credit card story is remotely true! He's just trying to wind you up, lol. He is a serial bullshit artist
No, I am not claiming it to be morally right. There is no place for morals when dealing with lending institutions. It's a decision that has to be made with all factors weighed. People that think like you often get themselves in a bigger mess because of doing "the morally right thing" or so they think. When in reality, they are just screwing themselves, which ends up affecting those close to them. Defaulting on your debts is not a free lunch. It's not easy to pull it off where you literally walk away with minimal repercussions. Not if you actually have something to lose and are attempting to play the "screw the creditors" game. I'll try to put it to you this way. Most people with heavy CC debt have a choice now. Default now or default in the future when food prices shoot up so high they won't have anything left to spend after buying barely enough food to sustain themselves & their families. While you would suggest they pay the CCs and pretty much guarantee starvation in the future, I would say, screw the CCs, put that cash toward your family's well-being, because it's getting there. The whole consumer debt system is going to crash regardless.
It's really funny that you say that in this day & age. The reality is staring you in the face and you still refuse to believe it. Hopeless.