Bankruptcy

The bill collectors have to get paid

Some people obviously think no matter what, the bill collectors have to get paid. One of the books my bankruptcy lawyer gave me to read said that certain things ALWAYS come before the damn bill collector. Those few things include rent, utilities, car payment & insurance, student loan(s), medications and other things that are considered more important than adding to the bill collectors’ commission. I believe under certain circumstances such as your roommates, there should be some slack to allow for one to get back on their feet (if at all possible). Not everyone can live up to Arts idea of perfection when it comes to finances. After all, this is an imperfect world, which is why bankruptcy was invented – for the rest of us imperfect suckers. Also, you can become a vegetarian — that’ll cut the grocery bill in half! I think that some people file bankruptcy just…

Debt collectors

Credit companies write/off your debt plus interest in 180 days

Just to let you know the credit companies write/off your debt plus interest in 180 days. thats i believe thats the law. if they dont get a payment. then they sell to a collector. this stays on your credit report for seven years and then it has to come off. but if the collection agency can get you to pay even 10.00 the seven years starts over again. just alittle info. My mantra (keeping it as clean as possible) these days is “To hell with the bill collectors!” As I’ve mentioned a number of times, despite my writing to these crooks, they continue to harass me regarding my mother’s debts even though she died four months ago. Cuss at them on the phone, hang up when a recording tells you to wait, hang up when you hear silence after answering the phone, ask them who they are. These folks calling…