Відео

Good information, any tips on what to do if your being taken to court?

How come every time I start paying some debts down, it seems some type of money is needed and back to the debt because I don't have enough money saved to cover that purchase like a hot water heater or something?

I would like to do baking, but it takes money to make the money with this.

Yes, side hustle ideas

During Covid job loss and fire in home I wrote all lenders sent letters remember know one was working or answering phones no email to forward these letters to Now all went to collection was wrote off by company for tax break or insurance paid off still effected my credit. Now im working on it . Letters were sent to each collection company thats on credit report due to national emergency. One I dont owe any of the collectors or is there a signed agreement between myself and them. My dept was to the original lender only and due to national emergency covid 19 lay off and a fire in my home which I notified by letters. What steps do I need to take some are reporting monthly still open on credit file as no payment which crashes my credit score again I have spoken to no one

I have a debt collector looking for a debt that's not even on my credit record anymore. It's over 7 years ago. Either they're trying to scam me or they bought the debt bad.

I picked up a call by accident, lol. The woman was very nice, but I told her I couldn’t pay. Didn’t answer the phone after that.

Thank you for sharing

For the future 💚

Funny, a millennial is telling other millennials how to get away with not paying their debts.

💚

Thank god I live in Scotland.

Side hustle idea

Always steer clear of gas pumps. Walking is GREAT exercise!

There is NO SUCH THING as using ALCOHOL responsibly.

Dave thinks it’s BETTER to have THREE debts totaling $12,000 than have SEVEN debts totaling $5,000. He’s TOTALLY NUTS!!!!

Hello, i am getting wage garnishment from debt from 1997. They found me last year because i did not work to take care of my 3 kids. The name is Worldwide Asset Purchasing. Can i stop them? How? Thank you’

My cell phone used to belong to a woman who seems to owe everyone money. I think that I've been contacted by every debt collector in the state about her debts. Usually it is enough to point out that this is no longer her telephone number. There have been a couple of debt collectors who couldn't understand how I could personally know the woman who used to have my cell phone number. She went to school with my one of my older brothers. I usually just point out that this is a very small town in a small county and just about anyone with that prefix on their cell phone number currently lives or used to live in my town or the area around it. As for myself, I briefly got letters from a debt collection company because a scammer was trying to scam me. This was back in the late 1980s. They signed me up for a business newsletter without my permission. It was clear that they basically just scanned two or three weekly news magazines and wrote one paragraph summaries of some of the articles. I never responded at all to the company and after a while they stopped sending me the newsletters and send me collection letters instead. Then after about a year they send it to a collection agency. Not wanting the collection agency to have my signature because they could have forged it onto some kind of subscription request, I never responded. After two or three months, they wrote it off and I never heard anything more from them. But then, a year after that, the company tried it again. Once more they signed me up to their worthless newsletter without my permission. I went to the post office and talked to the postmistress who tole me to forward everything to the "Office of the Postal Inspector" as I received them -- no stamps required. So every time I got anything from them I forwarded it to the Office of the Postal Inspector. The Postal Inspectors didn't have enough to prosecute them for their frauds, but they did force them to stop trying to scam me. Many years ago while in college, I had a problem paying one company for services and they wrote it off. Later, as soon as I came up with the money to pay them, I went to their office and paid them in full. It took them a while to find a record of what I owed. And then after that, I got some furniture from a lease to own furniture company -- really overpriced furniture. The agreement was that after two years of payments, it was mine. The company then sold out to another company who got upset when I quit paying them after the two years. They claimed that their terms were that I would have to pay another years worth of the lease in cash for the furniture. I went over to the store and showed them my contract. That was the last I ever heard from them.

I’m excited for this! Just started saving and working on my credit about 6 months ago and I feel like I’m walking around in the dark just trying to figure out how to do this! I’m proud to say, credit scores up and I can finally say I have savings in the bank, but now what? Can’t wait for the Zoom Thursday!

How to handle debt collectors. When they call say "Hello who is this". They will say "Is this (name). Then you might say "Yes, no, or who is calling." It doesn't really matter. Before they can even speak about the debt they are required by law to "identify" the person they are speaking to. They will attempt to do this by asking you to "verify" certain private information like DOB, address, SSN. They usually start with DOB. So they will say "Can you verify your DOB?". To which you say "Yes, what do you have". Then they will say "No, I need you to tell me your DOB so that it can be verified". Then you say "Sure, I can verify my DOB. Tell me what you have on file and I will tell you if it is correct". They will start to get pretty frustrated at this point and say "Sir I can't give out that information. I need you to tell me your DOB so that we can continue this confidential conversation. I have to know I am speaking to the correct person". Now you say "Listen. I already told you my name. Also you called me. So clearly you have my phone number. Now you asked me to "VERIFY" my DOB, which I am happy to do, but it seems you don't actually want me to verify information, you want me to give you information which you may not have. I will not do this now or ever. I don't know you. All I know is some stranger called me claiming to need to have a conversation with me, now they are asking me to give up vital personal information which could be used to steal my identity. Next maybe you want my Social Security Number. No sane person would give that kind of information to a stranger who calls them simply because they ask for it. Now, if you would like me to "VERIFY" some information I may be able to do that. Or you can tell me why you called, but you will NEVER get me to volunteer private information you don't already have." Most give up at this point. It is illegal for them to divulge the information in order to actually have you verify it. Meanwhile it is impossible for them to force you to divulge such information. Most give up at this point. In one case I had a collector say "We will just call back later". To which I said. "No, you will never call me again, because you are unwilling to have a conversation about the reason you called. Therefore calling me again will be classified as harassment under the TCPA and I will press charges which will result in a $500 fine for EACH offense." Then I hung up and never heard from them again. I looked into the company name, found out they were a debt collector with ties to my dentist office. It turned out that the dentist office had "scheduled" some treatments for me, and even though I paid for all of my treatments in full and the time of receiving them, their computer system had seen the schedule going out months in advance and processed it as an existing dept instead of potential future earnings. Ultimately I did not actually owe them any money, and I ended up changing dentist because they were unable to fix the issue for over 3 months.

The best plan is don't buy anything you can't afford

Have tried investing (just a little) into "ethical" companies, renewables, energy, plant medicine etc over the past few years. Every single one lost money. And if you dig down into "ESG" you can see that their claims are mostly fraudulent. Dont know how anyone could consider Coca Cola ethical because they "might" use green energy & "bio plastics". And for Carbon Collective to score an F on "Fossil Fuels" just goes to show there really isn't any profitable ethical investments.

It appears that any method is going to depend on the behaviors of that person in debt. Behaviors are the blocking factor to get out of debt.

Divide your minimum monthly payment if that is all you can afford and make 1/4 the monthly payment. Each payment the credit card company receives forces them to recalculate the interest, saving you $$ and paying off your debt sooner.

This includes child support i went to court in 2015 i told the judge and the prosecuting attorney that I wasn't giving another nickel I've never heard from them since 😂😂😂

This sounds too good be true. If I can’t pay my debts, how can I afford an attorney?

It is very good if the behavior stop TO delete contents that is for comunity protection not be removed constantly!!! All collectors so far make all depths up and it not gona change!!! To warn global community for the biggest scamers of all time: paidwings that have been around longer than the internet and claims victims of billion of dollars per day 24/7!!! So sick behavior make Thrustpilot not To have trust in it's name and it make of course not sense to continue of course!!! To wait for this information to be deleted of this joke so called company!!! is very good if the behavior stop TO delete contents that is for comunity protection not be removed constantly!!! To warn global community for the biggest scamers of all time: paidwings that have been around longer than the internet and claims victims of billion of dollars per day 24/7!!! So sick behavior make Thrustpilot not To have trust in it's name and it make of course not sense to continue of course!!! To wait for this information to be deleted of this joke so called company!!!

Thank you for the tour, your home is adorable 😊

I only pick up the phone and I say one thing . Time barred debit and I hang up

How about them bugging you to death 15 years even after the statute of limitations was up in 2015 . I know they can’t do anything other than to continue to ask . These people even threaten with jail and other crap

How about them bugging you to death 15 years even after the statute of limitations was up in 2015 . I know they can’t do anything other than to continue to ask . These people even threaten with jail and other crap

Where do your Bills come in? Once I pay Bills. There isn’t anything left!

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but if it is my debt and I owe someone something I will 100% pay I cannot live and die with that guilt cause it is not mine so yeah I would like to resolve what I actually owe

Thank you very useful

That's minimalist? Looks like plenty.

Love Penny!!!! So perfect!!!! More is not more! I downsized years ago and am so glad I did.

LOVELY HOME! Thank you for sharing and showing us a different lifestyle.

💰

Look it up.. if you do not speak to them for 4 years.. the law is they can not come after you after 4 years has past.

Would you know if this would work in the UK 🇬🇧??

Debt collectors in Ontario are permitted to contact you between the hours of 7 am and 9 pm Monday to Saturday and 1 pm and 5 pm on Sunday and cannot contact you on statutory holidays.

Had one try after 15 years, that is way beyond the statute of limitations

Excellent advice! I just retired, and am trying to figure out how to best manage my funds.

I have six cards. I pay for credit protection on all. I’ve been struggling so I decided to take advantage of the insurance I’ve been paying for years. Only two of the six would allow me to use it. Apparently I didn’t fit the criteria. What criteria? I paid for the insurance and I need to use it. It’s been four months and I haven’t been able to pay and all I can do is watch the balances grow and there’s nothing I can do.

How about to offer a 20% of the account to settle? What type settlement agreement must be made before the money is paid? Thank you William

Flat out “no” received the other month when I called to negotiate a lower interest rate a few months ago 🙋🏾‍♀️ I am still hopeful for attempts in the future, and am actually taking your course right now to manage my finances better :)

To many people reckless go into debt buying shit they can’t afford or don’t need

Or you could just not rack up a bunch of reckless debt. Learn to live with in your means don’t be dependent on debt

7% interest rate sounds like a dream- try 28-32% here in South Africa. NO WAY to get out of that. 7% is not even what you pay on a home loan here.