yes ....I suppose i learn form others mistakes.....and i went to a alot of financial advisor classes and have had to get people out of debt to keepo there security claerance or just plain help them...its sad to see a person get 40 calls a day form creditors...when they shouldnt call you at work.
____________________ Captain Morgan and Dr.Pepper are my homies....
In most situation, you are correct about debt being self inflicted. What about the people with catastrophic illnesses. Legislation passed is going to hurt the sick and elderly in this case and what about all of the pension plans going under. One day (I hope not though, misfortune and fate may pay you a visit). Sorry for my tone of my post but a little emphathy and understanding towards your fellow man will go a long way too.
well i have plenty of empathy and i have had plenty of misfortune.....like i said before there are extenuating circumstances to debt..however comma thats not the case in alot of circumstances
____________________ Captain Morgan and Dr.Pepper are my homies....
they took it cause i guess you didnt make the payments. but your still under contract to pay for it. once paid for you get it back....or you should get it back. thats when a lawyer is needed shadier companies usually sell it at auction AND make you pay them. Ill ask a laywer about that for ya.
____________________ Captain Morgan and Dr.Pepper are my homies....
audiojunkie wrote: easy way out of debt.......dont get into to it there are extenuating circumstances...however 9 times out of ten...debt is self incurred and could have been prevented.
Yep.. I could have put bubble wrap on milk crates and continued to sleep on the floor in my newly purchased condo, that of which I could have stayed in my car but I would smell pretty good right now after living in my car for 2 years.
I'm still using my $36 36" TV I got 2 years ago.
And some of the debt. I have NFC how I got it. I just torned oround one day and was like WOW!!!.... Oh wait... some of it is from fixing the POS condo...
No, see... this is why I won't pay Ford. I WAS making my
payments! My DAD filed bankrupcy (he was CO-signer on my
loan). Ford stopped letting me make payments! I TRIED TO PAY THEM! They
said the loan was in bankruptcy status and I couldn't make payments at
that time. Well, after the bankruptcy was finalized, they sent me a
huge lump sum bill. I couldn't pay it. They took the car. They sold the
car! They STILL billed me for the remainder of the loan! So...Ford Credit!
Well im about 22K in the shitter...buying carstuff, computer stuff, gas, helping my GF, car repairs, misc crap...hope to start paying off in bigger lumps soonish(she graduates this month) Selling my focus soon
____________________ 2k3 zx3 auto power premium, red reflective tint, custom red accents, iceman, borla, and more.
ProjectFocusFast wrote: No, see... this is why I won't pay Ford. I WAS making my
payments! My DAD filed bankrupcy (he was CO-signer on my
loan). Ford stopped letting me make payments! I TRIED TO PAY THEM! They
said the loan was in bankruptcy status and I couldn't make payments at
that time. Well, after the bankruptcy was finalized, they sent me a
huge lump sum bill. I couldn't pay it. They took the car. They sold the
car! They STILL billed me for the remainder of the loan! So...Ford Credit!
The sad part here is you probably could have re-financed through a Credit Union locally and taken your Dad's name right off it and still have it.
I had to re-finance to get my ex-husband off my 2k2 loan and other stuff. He stole all of my savings before I could do anything though. wiped me right out.
That still stinks
____________________ Get in, Sit down, Shut up and HANG ON!
I probably could've but in all honesty I was getting sick of paying for
it. I was hoping they were going to forgive the loan, but they didn't.
And when they did want me to start paying again, I really didn't want
to (but of course I would have if I could have, if they didn't just
want a huge lump-sum).
I suppose I could've figured out some way to kept it, but I was kindof
at a point where I didn't know if it would've been worth it... still
owed $8k... car sold for $3k at auction...
I have to agree with AJ on that. FMC didn't even use any lubricant. Financial situations with family or friends invloved, is something I try to avoid totally. Bummer!
Yeah I know I got the SPC with no vaseline... but sometimes you gotta
take one for the team. I know better now. Lesson learned. FMC can slob
my knob like corn on the cob.
FocusOnBlue wrote: Credit doesn't want business with me, they always say I lack of credit history.
omfg where have you been?????
____________________ "Do not walk behind me, for I may not lead. Do not walk ahead of me, for I may not follow. Do not walk beside me either, just fuck off and leave me alone. "
So I finaly broke down and cut up my credit cards this morning. I am so proud of myself! I had originaly just put them away, but I caught myself already pulling one out to use.
I am on my way finaly! (Goddess did that feel like a really big step too!)
I figured out I can be debt free from everything but my first and second mortgage in 3 years!!
____________________ "Do not walk behind me, for I may not lead. Do not walk ahead of me, for I may not follow. Do not walk beside me either, just fuck off and leave me alone. "
Hoooooray for the fugtards! 
there are extenuating circumstances...however 9 times out of ten...debt is self incurred and could have been prevented.
I got 2 years ago.
