anyone else here a deadbeat? I owe various banks thousands but the statute of limitations is up in a month.
>>70652432
NEET with a hefty Visa debt here
The clock is ticking for me and here I lie in a pool of my own dank memes
>>70652432
26 yo white male , filing bankruptcy soon. Fuck the banks lol. I'll be back 100% in 7 years or less.
>>70652432
Don't worry, the banks already got the bailout money from the tax payers, therefore you don't really owe them anything anymore anyways.
>>70652432
im still getting fucked from a 2 day stay in a hospital 6 years ago that i never received the bill for until I tried to take an auto loan
Thanks to conservative fuck heads, its no longer illegal for that shit to show up on the credit check.
One more year and Ill finally stop paying the price of getting sick in america
>>70652432
>>70652626
>>70652711
Degenerate cancer
t. NEET with debnts
>>70652432
I owe nothing and have massive savings.
What the fuck is wrong with you people?
>>70652432
>Get life insurance
>fake death
>move to mexico.
>>70652432
>live in Finland
>Have 22k debt with state guarantee
Feels good man.
Got like 400 bucks in bank, no debt. I don't get how people get into massive debt, get a roomate, a car that can move from A-B, dont eat fucking gormet everyday and get a god damn job fucking something, seeing this shit pisses me off.
>mfw no debt
>mfw college was paid for by my doctor dad
>mfw already got a cushy job in geology
>mfw seeing this thread
>>70652880
I moved out of my parents house when I was 18 and hold the belief that Myself and Not the government is responsible for my well beng and my future. ie: I'm not a socialist faggot.
I still have more cash money than debt though, even though there were times i had to borrow some money to get back up and running
>>70652809
Should have studied harder and got a job with health insurance you cancerous drain on society.
>>70653226
>working for someone elses company to make them rich instead of being an entrepreneur
come back when your balls drop you coddled fucking faggot
How the fuck do you idiots land yourselves in debt? Like it's as fucking simple as not spending money you don't have. How hard is that?
>>70653088
USGS? Do you sit in an office for 90% of the year?
>>70653502
the only reason you should be in debt is if you absolutely need transportation to get to work or if you're buying a house.
It makes sense to take out a loan for an automobile and pay something like 300 / month if it gives you the ability to make 10/k a month
>>70653389
Get some decent health insurance for your company Mr. """entrepreneur""".
>>70652432
Be a brazilian, fucked up economy, no debts ! true survivor brazilian reporting in.
>>70653502
Many of us have the capabilities to actually make enough money to pay it back. Never though about that part of it, did you?
Then there are those who used to have the capability to easily pay it back because of income.
Then there are those who really don't give a shit. It's not like people can't conserve money if they have to.
>>70652432
>based time limits
I have a 2004 Harley Electra Glide that I paid like $1200 on.
>>70653769
>I have a 2004 Harley Electra Glide that I paid like $1200 on.
Just wait til the EPA takes it away for all of the oil it leaks.
I only have €10k in assets, but I never spend any money so I'm good.
I wish Germany would purge Draghi already so I'm not forced to invest my money and can get rent over it normally.
>>70653751
that hospital bill occurred six years ago.
I wasn't in the same point in my life then as I am now.
1 more year and it gets removed from my credit history. besiudes, I wouldn't even know who to pay the 7k that they say I ower
>>70653068
>400 in the bank
>bragging about no debt
Dude, you're one unexpected bill away from being fucked.
Debt free, healthy checking acct (2 months worth of expenses)
5000 savings for unforseen event. 11000 retirement (I'm already 30 so it's really not very good )
>>70654379
How long do bad events like that stay on a credit score?
>tfw plenty of Debt but great job and hefty savings
I should probably pay off some stuff.
Eternally unemployed slavshit here. How does not paying back your credit card work in America?
>>70654722
7 years apparently
>talk of paying denbts
>no sign of Greece
Well colour me surprised
>>70653751
>>70653226
also, I fucking had Aetna health insurance at the time you fucking nigger.
I've never owed money my entire life because I'm cheap.
I've worked and purchased every vehicle and thing I own with money that was already there.
Probably don't have the strongest credit because of it.
>>70652432
Yup and I am not embarrassed about it at all. Hit wells fargo, cities bank, and chase with maxed out credit cards. I now 7 years later have good enough credit to buy a house fuck the banks. They stole from you in so many ways.
>>70654783
you just dont pay it , creditiors put collections on you but as long as you don't leave money in your bank account, work cash only, nothing owned under your name, your good. My 78 year old grandma technically owns a 2015 bmw m3
Nope. I understand the system so use it to my advantage.
Credit score 763
I could go buy a house, a car or get a business loan in the next day if i wanted to
>>70652432
I paid 3k for my AS business online degree with a credit card.
>didn't pay back on time
>it went to collections
>negotiated and only paid half of what i originally owed
fells good to be a businessman
>>70652806
Weren't they bailed out because people were defaulting on debts in the first place though? I know they were loaning irresponsibly, but still.
>>70655093
They can't take money from your account anon. Not unless they sue you.
>>70655231
with whose money?
>>70652432
good for you, new credit cards on the way
>>70655469
R A R E
A
R
E
>>70652432
i owed amex 7 grand and let it expire.
>>70655469
The banks money but im not a failure and have multiple successful businesses. So taking loans and managing credit is completely manageable.
>>70655093
That's fucking hilarious.
>>70652432
I owe fuck all. 100% debt free.
But it doesn't really matter; I have to pay rent; £80 per week, council tax; £80 per month. Also water rates; £6 per month.
If I want to buy anything other than food, I pay a hidden tax called VAT - value added tax. It's about 17% of the cost of the goods. If I need a new laptop, this fucking tax must be paid with the purchase.
The tax on my labour for honest work is about 25%. (income tax) I drive a car; and pay road tax and insurance. I own a television- TV licence.
WHERE THE FUCK DOES ALL MY TAXED MONEY GO? I'M TAXED UP TO MY EYEBALLS.
FUCK. WHERE IS MY FUCKING MONEY GOING???????
>>70653068
LOL the irony
>>70655093
All you have to do is change your phone number because they call you three times a day, early in the morning, afternoon and around 5pm.
>>70655585
N E W F A G
E
W
F
A
G
>>70652432
I have zero debt.
>using the plastic Jew
>>70656318
It goes to this bloke's hormone therapy.
>>70656318
It's going to immigrants to culturally enrich your evil white civilization.
>>70656318
>WHERE THE FUCK DOES ALL MY TAXED MONEY GO? I'M TAXED UP TO MY EYEBALLS.
FUCK. WHERE IS MY FUCKING MONEY GOING???????
Gotta pay for pakis to have 6 kids somehow.
>>70656318
council tax is the worst shit
I have no once seen my council spend money in a logical way. the state of the fucking roads around here is beyond abysmal
>>70654628
>>70656398
Just bought like 1k worth of guns and ammo, paid water, internet, gas, and car insurance, money into retirement. Sorry but I can manage my money even buying shit I don't need.
>>70655240
From where?
>A Lannister always pays their debts.
It stuck with me for some reason. I really respect debts and avoid ones I cannot pay. Like anything over 100 bucks.
Owe about 3200 to 2 different cc company's.
But hey. The IRS took 50k last year, fucking my finances up.
And bankrupting a small company.
American dream.
>>70656934
this reads straight off some normie's kikebook page
>>70657017
Im sure it was entirely the IRS Fault :rolleyes:
>>70657077
No. It reads of a respectful human being who accepts he lives in a give/take society.
When did respect become so devalued?
>>70657210
i'm talking about your autistic got quote
>>70656704
I don't mind paying some tax for schools, railways, subsidised public transport, NHS, but fucking everything is taxed.
>here's a quid. Nah. Just joking. It's 60 pence.
FFFFUUUUUUUCKKKKKK.
>>70657127
The IRS kinda fucking sucks, paying taxes aside.
>>70657077
It's just being financially responsible, it would apply anywhere. If you wanna get quick money illegally go big or go home. Or just happen to know a lot of old ladies with oxy scripts.
>>70656871
https://www.ashworthcollege.edu/
>aushwitz
it's nationally accredited but I don't give a fuck because it's a useless business degree. but at least i have a piece of paper with my name on it and later will study for some CS online too
>>70655301
>big banks buy loan packages from smaller investment firms
>They bought them knowing they would all default and the loans would be worthless
>Go to government, give us $700 billion dollars and we will let you adjust the loans, protect housing market and keep us from declaring bankruptcy
>they take the money, they don't adjust the loans because Obama's pet jew tells them they don't have to
I'm not personally gonna go into debt over it but fuck the banks, they asked for money before they bought the loans too, got turned down, so they just did to the US government exactly what this anon is doing to Visa.
>>70657127
Yeah. It kinda was.
You've obviously never dealt with them.
The ability to do whatever they want, when they feel like it.
Nice emote.
>>70657356
Being financially responsible
=/= not taking debt.
If you have a plan to pay it back, there in no issue. Of course, if you literally can not pay the interest, not taking debt is understandable.
>>70656704
>he fell for the government roads meme
one could almost say it's driving you crazy
>>70657689
When you take on a debt that is so large that the price changes over time, that's where I'd draw the line. If you weren't 100% sure of keeping your relatively well-paying, solid job you plan on staying with as long as possible.
Ride in the fast lane if you can, but I won't be one of the people to crash and burn. No point.
I have literally spent over $500 on a combination of handmade assault vests from the Bosnian war and TSA confiscated knife grab bags this year along, and yet I still manage to not be in any kind of denbt despite making about $13k a year.
>>70652432
>>70652626
This is a great chance for you to kill yourself and never pay them back.
>>70652880
And what is the use of it sven, your country is still going down the drain and you will never achieve anything remarkable no matter what savings you have.
>>70656704
Also a third of council tax goes on paying the pensions of council employees.
My rage has no bounds. Default on a payment and get fucking threatened with court and prison.
Go on. Be late with a payment and the fucking cunts will flay you alive.
>>70652432
How do you get into debt? If I don't have the money I don't spend it
>>70658183
makes me want to work for the council 2bh
seems like an easy ride
Nice, fuck the banks
>>70657914
>TSA confiscated knife grab bags
Where do you buy these, and can you take pictures of a few? What kind of assortment do you usually find?
>>70657914
>13k a year
That's the thing though.
Taking debt when you make that little may not make sense, while that may even enough to pay a debt of a few thousand if you plan correctly, but you'd be sacrificing more than gaining if you take debt.
I borrowed £11,000 in 2007
Never paid a penny
They tried to CCJ me - failed cos they never should have lent me it!
Last year was sent a claim form for miss-sold PPI
I threw the first letter away
They sent another- fuck it, signed and returned
Got a cheque for £4200
Bravely accepted
>>70658360
Mate it's fucking piss. I'm a binman and i earn £26k a year.
>>70657492
ty anon
>>70658534
Not if you don't pay it back
>>70652432
To what 'statute of limitations' are you referring?
>>70658547
What?
>>70652432
Have you been contacted by a debt collection law firm yet?
>>70658841
Banks are guilty anon.
Get your reparations
>>70658959
If people only understood that when banks loan you money, they are actually creating most of the money that they lend you by adding it to an account balance.
>>70658841
CCJ= county court judgement
PPI= payment protection insurance
>>70652432
As far as I know the only 'statute of limitations' on debt occurs when you die. Then your estate owes it until probate is up. If the creditor does not respond in time the debt is vacated. The debt would probably be a tax-dedeuction though to the creditor.
>>70658959
>>70659421
I still don't understand. I've been hiding from my debt since I was 18. I'm 30 now. Sounds like they were harassing you and had to pay for that?
>>70652432
>>70652626
neet here with 9500 in cc debt
montlhy payments total 450 a month
feels good man
>>70659452
Statute of limitations on debt means that they cannot use the court system to collect the debt anymore. They can still hound you, but they cannot sue you. Well, they can sue you, but then you have the affirmative defense of statute of limitations, and you can get it dismissed.
>>70659533
They gave me an £11,000 loan
I never paid so they took me to court, I wrote to the judge telling him they never checked if I was working and that they miss-sold the loan to me(mitigation).
He agreed with me and they agreed to quash the loan.
But they paid me £4200 in compensation for miss selling me the loan with PPI
It's a wonderful world.
>>70652432
I recently cleared up every single cent I owed to anyone. Best feeling in the world. Paid off my VISA ($4000) my traffic tickets ($2000) a few shitty collections ($600) and any and all outstanding debts before I move into my new condo in may.
I'm 26 and have had these nagging debts since I was 18 and got approved for a $5000 Visa.
It feels amazing to have the shackles of usury lifted.
If you are only making minimum payments or ignoring/skipping payments your debt will NEVER go away and you will always owe. Take it up the bum for a few months and budget lime a madman. Get a credit report from your bank. Pay these faggots off so you can move on with your life my friend.
>>70660086
Not bad! Glad to hear that the banks got fucked by a consumer for once.
Oh yeah. I owe 116k in student loans but only work Parr time as a server so the are going to forgive them because I have been dodging them for a decade.
I hide most of my income and get full subsidised Obama care that pays 263 month for me, I have great blue cross blue shield.
I also rent out the back bedrooms of the house I own for 600/month meaning I have no bills
>>70653088
>mfw no debt
>mfw college paid for %100, didn't try didn't graduate
>mfw family job to fall back on.
>mfw3 years later its all mine.
>mfw you all post your awful stories while I remain willfully ignorant to my privilege
>>70652432
>>70652711
>live in USA
>always in debt
Lmao I have thousands of cuck bucks in my account and 0 debt
>>70652880
We live in America
>>70652880
nigger president owned by jews
>>70655240
Yeah, you do realize they can ask you for the rest anytime they want now that you gave back some money, admitting you have in fact a debt toward them when in reality you never have a debt to collectors but with the agency you contracted the debt with.
It's all the better for them if you pay and now they have you by the balls cause they can put you on the shit list (the one where you're blocked off from basically anything financially like loans or having anything in your name) anytime.
tfw 26 and only have $120,000 to my name
>>70662870
Sometimes it is the debt collector who you owe the debt to. If a bank, for whatever reason, deems it not worth it to pursue a delinquent account in court, it will often sell that debt to a third party for pennies on the dollar. They're called junk debt buyers, and they are scum.
>>70663192
Not really, the fact that they bought your debt doesn't mean jackshit, you owe nothing to them, they just buy people's debts for pennies and send leters hoping at least some of those will pay.
Do you really think if you were in legit debt the creditor would say "yeah just gimme half man we cool"?
Debt-free. Nice inflow of cash. My only problem is my mom. She thinks "investing" is buying condos, a shitty Mitsubishi car, etc. I give my earnings to my mom and whil she does save them, she also "invests". Jesus christo. I take my money away from her, she goes "anon, you dont trust me anymooooore!!!1!". Christ, mom. And Ive already explained to her the difference between a cash generating unit and a non-cash generating unit multiple times yet she still doubts me, the accountant. She goes to her other mumfriends and asks for their hot opinions. Mind you, their husbands are mostly the ones that drives ships so they earn insane dollars every month, and they always tell her "buy that condo! lets go to korea! hongkong! japan!".
>>70663573
They sue people all the time. Look up Midland Credit Management for an example. If you read a typical credit card agreement (in the US anyway,) it says that the bank can transfer the debt to whomever they want, and it's valid. That's not to say that they can't be beaten in court, they can. You challenge their evidence as hearsay and you challenge their standing.
Under US law they are considered both a debt collector, and a creditor, though not an original creditor.
