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User Info: LadyVyxx

LadyVyxx
1 month ago#21
pjbasis posted...
I have two credit cards with 2000 dollars debt on them. While I am paying minimums for now, Im considering just cutting them loose and just dealing with the bad credit.

Cause that's all that would happen


Er well yes and no. That's all that would happen in the realm of your life staying exactly the same for 7 years. If anything changes in 7 years then this attitude would hurt you. If you ditch $2000 in debt and ignore payments, you'll never get a mortgage. What if sometime in that 7 years you desperately need an credit card or line of credit? No one will lend you a dime. Want to lease a car before 2028? No place will even consider you. Where I live you need a credit check to even rent a decent apartment. I dont advise this.

Brayze_II posted...
you sure it's the credit card company and not a third party they sold the debt to? That happens to old debt sometimes.


This was my first thought. My aunt got in a bad way with debt after my uncle died and she never told anyone. She had a gambling issue no one knew about and eventually racked up over 20k on a credit card.

Eventually it got handed off to a debt collection company after she was delinquent on payments for over 12 months. These companies will only get paid if they recover some money and often try and scare you into compliance. They'll serve you, and often offer you a package in order to get out of it. "Pay us 75% by a certain date and all is forgiven". If you ignore them they'll eventually move onto a new contract.
(edited 1 month ago)

User Info: Punnyz

Punnyz
1 month ago#22
I just woke up from a depression nap and went and got some comfort food, as well as checking up with my phone provider

anyways

this all stems from something else, the anniversary of my dad passing was 3 days ago, its been 8 years.

so I've been down lately, and all of this new s*** definitely didn't help

but thinking about it, I HAVE been sued before. for the house after my dad fell behind. So technically I was incorrect. But alot more was at stake then.

I appreciate the heads up, everyone. I guess its NOT as bad as I thought. I don't think I want to completely ignore it either, but its good to know something super bad won't happen

I don't plan on getting a new car or house anytime soon and my credit has been bad as soon as I became an adult. My mother actually ruined it lol
https://i.imgur.com/qBpLe47.png
http://i.imgur.com/25MHSn1.gif

User Info: tcaz2

tcaz2
1 month ago#23
Yes absolutely just call and talk to them about it, explain you never got contacted about it (be polite), and ask if there's any way they can help you out.

For small stuff like this, most places are usually pretty reasonable.

If they refuse to compromise on anything, as said, the worst that can happen is a mark on your credit record. You don't ACTUALLY have to pay anything if you're willing to accept that, and it can be recovered. It sucks, but its not the end of the world.

User Info: greengravy294

greengravy294
1 month ago#24
So did you sing with them or not?
https://imgur.com/a/LEqiW
https://imgur.com/iXHxhET

User Info: KingButz

KingButz
1 month ago#25
They are suing you so they can obtain a judgment to garnish your wages. Just work out a settlememt with them and this should be ok
rip imgcake

User Info: redrocket

redrocket
1 month ago#26
Also, despite what some of the alarmists are saying, something as minor as this will definitely not block you from all credit. You will still be able to get (bad) credit cards and (small) loans. The worst that something like this can block you out of is buying a house or a new (as in, not used) car.
It's like paying for bubble wrap. -transience on Final Fantasy: All the Bravest

User Info: redrocket

redrocket
1 month ago#27
KingButz posted...
They are suing you so they can obtain a judgment to garnish your wages. Just work out a settlememt with them and this should be ok


I’ve never heard of anyone actually getting garnished over such a small sum. Though I guess it’s possible. Much more likely this is just a scare tactic though.
It's like paying for bubble wrap. -transience on Final Fantasy: All the Bravest

User Info: Jakyl25

Jakyl25
1 month ago#28
Can’t garnish your wages if you quit your job!

*points at head meme*
Thank you, Eddie Guerrero.
https://pbs.twimg.com/media/DRlKR5nU8AA_v_C?format=jpg&name=large

User Info: mnkboy907

mnkboy907
1 month ago#29
Jakyl25 posted...
Can’t garnish your wages if you quit your job!

*points at head meme*

On a related note, everytime I hear about GameStop doing poorly and closing down stores, I always wonder if Pun's will be one of them.
Change is weird.

User Info: Punnyz

Punnyz
1 month ago#30
I live in a back water ass town, it lingers on my mind too. but I think we'll be okay
https://i.imgur.com/qBpLe47.png
http://i.imgur.com/25MHSn1.gif
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