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tyrantblade3500

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Everything posted by tyrantblade3500

  1. I try to be a positive guy, but this thing with the debt collector is all I have been able to focus on since I got the notice that basically means that if I did nothing I will be paying $800+ in interest. So what could I do? The only better option on the table was to reach a settlement for less than I owe, which happened to be close to what I actually charged. So now I realize I'm $1500 in debt, so my 2019 is already gonna suck (before it even began) and I have realized this is probably what I should expect from life for now on; I wanted more but why should I delude myself and set myself up for many more failures? Yeah maybe to some of you $1500 isn't a lot, well to me it is, I might get $1500 if I sell everything I have and then I would be back to 0 at 27 years old, which does me no good. So back to the struggle I go I guess, it's all I have ever known and probably all I will ever know.
  2. You aren't listening, I tried and they refused to take it off my bill, at this point I have to pay a debt collector, Capital One isn't involved at this point Like I said, I couldn't hit a but to see what I was agreeing to, that is the whole problem.
  3. My younger brother hasn't had a job in over a year at this point (he had Food Stamps for a few months, so that helped us a little bit) ; and all he seems to want to do is things required to function at a basic level, and get Drunk and/or play video games all day and I'm getting fed up with it. I mean here I am trying to not only pay bills but hopefully have some spare money to save up (or spend on hobbies so I can enjoy myself and relax outside of work; I'm working on trying to balance enjoyment/hobbies and saving money, but it isnt gonna suddenly happen, I just got my (much better) new job about 2 months ago) ; and he is glued to Destiny 2/His phone/Media Streaming/getting drunk around the clock. So not only am I paying all the bills (along with my mom which is around during the week to provide transportation and she pays some of the household bills as well), but I bought both TVs, both the PS4 pro and the switch (along with a computer and 2 3DSs and games for that too), and all the games, and I pay for the media streaming services; so he literally has no right to any of these things, nor the power to make them work as I paid for all the devices and pay for heating and energy. No longer am I allowing his life to be a party in a house I'm largely paying for the bills of, he can be bored for (at least) as many hours as I have to be at work for all I care, he may not want anything out of life, but that doesn't mean he should continue being allowed to be lazy 24/7 and waste his life away having fun and drinking huge amounts of alcohol (I'm not glorifying Alcoholism in the least here). I mean what is a guy to do other than make sure he cant have fun doing anything so MAYBE he will gain some motivation to at least work part time, and maybe stop drinking as once he is past a certain part; it literally becomes a "point of no return" ; I mean he already woke up in the hospital after passing out before and even that isnt a wake up call. I mean it's pretty ridiculous I have to treat him like a little kid when he is not that much younger than me (having to be the mature one, pay for all this stuff and the energy and heating bills I already feel like an old man, I mean I kinda replaced the bills my dad paid at a young age (my dad isn't at fault, the divorce was my moms idea and it happened after me and my younger brother were both grown adults, and he still sends my brother money (not knowing it is fueling alcoholism which I feel like I will have to tell my dad because my dad was a drinker before and he stopped drinking and would maybe understand that my younger brother probably needs some tough love so he hits "rock bottom" and hopefully has a reason to stop this lazy alcoholic nonsense) as he still has that fatherly love and wants us to do good
  4. tyrantblade3500

    Tired of my Lazy Alcoholic brother

    Well, around here a lot of apartments dont seem to allow pets, or if they do it's only certain pets, and some places that allow pets have conditions that they dont allow certain breeds of dogs; the #1 banned pet in these place is Pit Bulls because of their "aggressive dog" reputation because of people that raise their Pit Bulls to be aggressive or even worse the ones that enjoy dog fighting and sometimes even put dogs in the area to fight or bet on which will win. I would like to see someone throw dog fighting enthusiasts in the UFC Octagon with a heavyweight and see if they enjoy fighting for their lives But that's neither here nor there in relevance to the topic at hand.
  5. Does anyone disagree that this sort of trickery should be illegal? I will fully explain the diet pill scam So at some point I had ordered a sample of diet pills, like a week later they had sent out a months supply (or more) of diet pills that i never asked for, and they had charged over $400 for it I explained to Capital One (the one i had the credit card with) that 1. I never asked to be sent a bunch of diet pills, and 2. I never received them So they took off the money from my account for maybe a day or two Then i realize it was back on my account, they asked me to send in a letter to plead my case, so I did. And then they still didn't take the money off of my account. Apparently tracking that says it delivered to my town (a small town, but still probably 200 or 300 houses) must mean I have the pills and that logic got applied to why I was required to pay for them. So i didn't, the account went into collections and Capital One had people calling me every day to harass me like "wheres my money" ; so not wanting to hear it and not having spare money anyways I blocked them. And then a few months ago (a while after the diet pill scam) this fiasco happened where it went to a debt collector threatening legal action in my county court and eventually a letter from the county clerks desk. So I had to agree to pay them and did and settled for close to what I actually owe, it still sucks though.
  6. tyrantblade3500

    Is adisc.org down for anyone else?

    It looks like it is down again
  7. tyrantblade3500

    Tired of my Lazy Alcoholic brother

    It isn't Hell, he just needs to be more responsible, which he has shown isn't gonna happen if he has access to alcohol; and also he should be paying rent, but he has no motivation even when sober to actually try getting a job. It looks like the only way he is gonna get a job is if Walmart takes him back, apparently a manager and his coworkers want him back; but why would the district boss allow him to come back given his record (refusing to learn the register, not showing up because he was "sick" (from drinking before work) ; not showing up because he was over at his Friends house which was working a different shift, not being ready on time because he wouldn't check his schedule and they would often change it on him). My mom has been redoing his application at Walmart for over 6 months now as they led us on to believe they MIGHT rehire him, then said it is up to the District Boss, then a lower level manager and his coworkers want him back. But I think his ship has sailed with Walmart and they aren't going to give him a 2nd chance. They have also tried fast food places, but without my brother talking to them or actually showing up to follow through after an application they probably don't think he actually wants the job. One thing I haven't mentioned is he does stutter quite a bit, but I'm sure if he at least tried getting a job they could have him work in the back and not have to talk to customers.
  8. tyrantblade3500

    Tired of my Lazy Alcoholic brother

    I would rather not board with strangers, at home I have peace of mind and can do what I want and dont have to worry about trusting anyone else, and lots of place don't allows pets and I wouldn't leave my dog with my brother more than I already have to.
  9. tyrantblade3500

    Tired of my Lazy Alcoholic brother

    Probably not, assistance like that is reserved for low income and I'm making over $15.50 an hour. I dont wanna find another place to live. Just wished my brother had some kind of motivation to work. 240 a month is dirt cheap, and would have helped us a lot; we would not have kept getting behind with that extra money.
  10. tyrantblade3500

    Tired of my Lazy Alcoholic brother

    But I cant find another place to live for $240 a month, so it is in my best interest to not do that as if I go anywhere else I would probably spend close to triple, an appartment around here alone would cost over $500 a month and that doesn't include everything.
  11. tyrantblade3500

    Tired of my Lazy Alcoholic brother

    If it was just up to me I would've kicked him out a while ago, the house is technically in our Moms name, it's only my house in that we would not own the house if I wasnt around and didn't have a job the last 6 years and pay for a lot of the bills. He is no thief and doesn't need alcohol to survive, he just cant help himself when it comes to how much he drinks, whatever he buys he will drink in a binge is what his problem is, he isn't an "every day needs alcohol or he is sick" kind of alcoholic he is a binge drinking Alcoholic. The problem is my Mom isn't on the same page as I am, i have told her we need to tell him no more drinking and she still wants to allow him to drink on weekends, so if I'm working on the weekend (as I'm working today and its Saturday) he can get blitzed, pass out, sleep, and leave the dog outside in the freezing cold all alone (again) Regardless imma lay down some new rules, if he wants to get plastered and be irresponsible he will have to do it somewhere else. If he leaves my dog in the cold unattended I will throw him outside in the cold and lock the door.
  12. tyrantblade3500

    Tired of my Lazy Alcoholic brother

    Well, he did it again (left the dog out in his Drunken Stupor) and he let the (now possibly pregnant) cat outside at some point. I was being a little considerate in allowing a half measure and giving him another chance. But now I'm gonna tell him absolutely no alcohol at all and hopefully our Mom decides to back me and do something about him, somehow I knew this would probably happen because it's always "Drunk O Clock" for him, hence why he lost his last job at Walmart. I'm just lucky that both of these last times I got home right in time to find my dog at the back door (instead of Roaming the streets, which means the Dog Warden would get called and we would likely have to pay a higher fine than the last time she was wandering after being left outside for hours, and then maybe she would get Ringworm again). If murder was legal I would have killed him as soon as I found out he was home, is it so hard to see why I value my dog above him? My dog is cheaper to feed, more responsible, her presence can keep would be intruders away (all she has to do is bark) and she is furry and warm and always makes me feel good and safe at night (she sleeps right behind me). What good is a drunken moron that is either sleeping or so absent minded nothing will get through to him once he has had a little to much to drink (which results in drinking way too much) ? If he had food stamps or a job that would help a lot, but he has no motivation for anything and you cant force motivation, I'm not even a bad influence here as I'm not drinking liters of Rum or Multiple Four Lokos (12-14% ABV, 24 ounces per can, cheap; drink 2 and you can black out and become a useless drunken moron). I have scaled down to 2 cans a week of weaker alcohol so I can have enough for that feel good effect without going way too far (as he always does if the alcohol is available to him, I hide my 2 cans so they dont disappear into his stomach). If he could only wait until I got home I wouldn't care that much how drunk he gets (I would still care that he isn't trying to get a job even when he is sober though). Such a disappointment.
  13. I'll be in decent shape when I start getting normal checks again, down to under $100 in the bank as I has just got a check for like 21.00 or something (1 day of pay, minus union fees, taxes, and $55 for insurance), all the devices I already had, except the Switch and a cheap TV were the only 2 recent acquisitions; and I'm getting back to taking away the entertainment while I'm at work. Just did 24 hours of work yesterday and today, 2 more 12s next week (plus 3 8s), even if I have any weeks off it will still end up being more than $21.00 pay because it would be a layoff if it happens and not me being fired for something I did, I would of got 4 12s next week, but they demoted a lousy mechanic to do what I do and help me out (which is needed anyways, as I'm one of few people always working my position after temps got laid off, people got suspended for being stupid, and some people up and left the job for who knows why). Its gonna be a lot better than I made it out to be, still sucks but if overtime keeps happening I can pay extra money to the debt collector, not to mention at least part of whatever I get back in taxes; I'm planning on getting the $1500 paid off in 6 months or less, depending on how much overtime keeps happening and what I get in taxes in a couple months.
  14. I'm already past the "interest" part as they tried to make me pay $400 for stuff I didn't intentionally order (stupid me for not realizing it was gonna be an automatic subscription service; where they completely hide what you are agreeing to) ; but shame on them for trying to make me pay $400 for what probably should have been $10 (one of the few things that could cost $400 a month is a car payment, not a month of frickin diet pills) ; extra shame on them for thinking calling me every single day would help matters ; extra extra shame on them for trying to charge $500 above that. I would probably have to sell everything I own to pay $1500 all at once, and I'm not gonna do that and having nothing to do (as I would have to sell all my electronic devices; and TV shows and gaming are 2 of the few things I enjoy in life) . It's not a matter of me overspending on things. It's the uncertainty of working for a new company, combined with the possibility they could shut down temporarily if they run out of materials, combined with not getting the full benefits that people that have worked for the company for years have; and if work slows down I may have to take a layoff. I can not predict the future guys, otherwise I wouldn't have to worry, I would just play the lottery and become a millionaire.
  15. I sent some angry texts to my mom at work (during one of my break times) about not including me in her "grand ideas" next time; I know she didn't mean anything bad by what she did; but with the "self lender" coming out every month; the winter season being slow at work (i had a $180 check, my lowest check in years and after next weeks check I will have no check for 1 week) and then this stupid debt collector BS (when i finally gained the ability to pay towards the credit card they decided to send debt collectors after me, so I had to agree to pay $1500, which is $1500, even $125 a month is $125 less I have to pay towards bills, less money to spend on hobbies, etc; and it hurts). I have already been struggling just with the slow season and Self Lender, plus I have to worry about if the company runs out of steel, or maybe their orders get cut down to almost nothing (or if they have production lines in changeover for several weeks, which seems to keep happening), and then I may have to take a layoff because I'm pretty new to the company and I have never had to take a layoff before, ever; so it is unknown territory and all this stuff is stressing me too much. And the stress seems to either throw me into Depression or Mania (I dont seem to have traditional Bipolar as I really dont seem to know how long I will be depressed, or manic, or whatever and I'm normally pretty stable and happy, but all this stress is just wrecking me). It also doesn't help having my younger brother not paying anything towards bills, pushing me and my mom further behind than we would be if he Manned Up and paid the low minimum $ amount we want from him (anybody in the US tell me you wouldn't jump at $240 a month and nothing else with heat and Electricity and everything included) ; which he obviously cant pay with no income. I mean I do pretty decent in an average month, and sometimes there is a fair amount of overtime; but I am a chronic worrier; always worried about the worst things that can happen (which sometimes does happen, I cant pay all the bills I normally would with a 1/2 paycheck). I can worry a lot less once I know they are going back to full production with no major setbacks, but right now I cant 100% enjoy the holiday season knowing any number of setbacks could happen in just a few weeks.
  16. tyrantblade3500

    Tired of my Lazy Alcoholic brother

    Well, my dad called and had a serious talk with my younger brother about Alcohol and the ways in which it (in a way) ruined my dads health; especially considering my dad has had diabetes for decades so of course alcohol (being a form of processed sugar) did my dad no favors, I don't know what will come of the talk; but my dad said he isn't gonna send my brother money if that's what he is gonna do with it. I drink too much at times, lately being one of those times (not an extreme amount, but several nights in a row) due to this debt collector BS; going forward I am gonna slow down again (I see no point in binge drinking) as I like to be able to function when I'm drinking and limiting my number of drinking days will also save me some money.
  17. I was trying to not focus on my situation with my credit card company (I stopped using it before It got maxed out and then it got maxed out because of scandal with a diet pills and being charged $400 for a month of diet pills I never even got). But how I have come to realize I am screwed and there is nothing I can do about it. I'm gonna be railroaded in court and have my wages garnished because i have neither the time to go to court or money to pay an attorney; nor do I have anywhere near $2300 and the credit card company wouldn't do anything besides direct me back to the debt collection agency. As soon as they start taking my money from my checks automatically its gonna be like working a dead end job all over again, despite that I make almost $5 an hour above my last job (but there is also union fees and the insurance we have to take as part of the job is way too expensive)
  18. tyrantblade3500

    Well I'm depressed and stressed out again

    But I'm trying to talk to them, and I have the credit card company not talking to me at all; while they appear to be proceeding with the court case behind my back. I tried to talk directly with the credit card company and they directed me to the Debt Collection agency, which said before they want $1900 and the most I would like to pay since I cant get away not paying is $1400, and preferably less IF THE CREDIT CARD COMPANY ACTUALLY TALKED TO ME.
  19. tyrantblade3500

    Well I'm depressed and stressed out again

    But I have talked to them, and they transferred me to the debt collection agency, which is gonna want the full amount, that is how they are, and if it weren't the credit card company sicking them on me I would have been able to dispute it on my credit report and not pay it at all. I don't even know the full details of how the case is gonna go; I just know they very well could literally ruin my life, I would gladly even agree to pay the $1400 if I had to; but the 2300 is ridiculous because that includes being charged $400 for the month of diet pills I never got (which is car payment money (not that I have a car, just saying) , not diet pill money) I know you all think I'm being melodramatic; but I'm actually speaking the truth in that if they railroad me into paying $100 a week or more; that will literally put me down to where I was for most of the last 5.5 years
  20. tyrantblade3500

    Well I'm depressed and stressed out again

    I meant the offers were from the current credit card company to settle the debt; but as I was struggling just to pay bills and months behind on taxes I could not afford to pay them anything. And as I have said DAILY HARASSMENT DOESNT HELP. And then like I said as soon as I got a better job, instead of offering to make a settlement all they want to do is go to court and FIRCE ME TO PAY THE FULL AMOUNT. Let's say they take the 100 a week for 6 months, as I said that brings me back to the income I was making at my last job (basically minimum wage) and then I will be back to not being able to afford all my bills. They know I have neither time or resources to do anything and seem intent to force me to pay everything. They don't care that they are gonna ruin my life for the next half of a year; they dont see me as a person (and dont care how I got behind with no hope to pay it off) , just a debt to collect and they just want the money
  21. tyrantblade3500

    Well I'm depressed and stressed out again

    I haven't used the card in a while because it got maxed (somewhere around $400 was all expenses for 3+ people for a week of vacation) and I couldn't afford to do anything but pay my bills and feed myself after the company I was working for pretty much 100% got rid of all overtime, not to mention $400 for a month of diet pills. Yes $400 for what was probably $10 of diet pills; which I never even got and disputed it because 1. I didn't get the pills and 2. Because that amount is absurd. I maybe could have got back on track if it was $1400 instead of $1800 as I would have paid off the earliest charges and kept up to date so there was no interest, as I was keeping up to date with the charges until it got maxed. That was my 1st and only credit card and before and after that everything has been paid with cash or debit (which is naturally backed by a bank account with cash). They were offering deals when I had my last job, but I wasn't in any position to make any deals being that I didn't have any spare money to pay them with. It was bad enough we had the taxes on the house about 2 months behind, I sure couldn't come up with $800 making minimum wage and having to pay part/all of Garbage, Water, Heating, internet, phone bill, etc. Also they had people calling me EVERY SINGLE DAY, until I blocked their number because basically harassing me does not help put extra money in my pocket. No I haven't tried any different credit agency's yet.
  22. tyrantblade3500

    Well I'm depressed and stressed out again

    Idk how I am supposed to save up any money considering I have bills that will need to be paid, I have to feed myself to stay alive, and there will be one week where I get no money at all (because it isn't long enough to collect unemployment considering I'm not technically laid off during the period, it's just no work at the factory). Once they start taking my money anyways, I will be struggling financially the same as I have the last 5 years (if they charge the full 2300, at say $100 a week, that means 6 months of struggling, or it could be less money per week over a longer period of time). And I may as well not work any unnecessary overtime, because why work hard for the money to go to someone else's pocket? I mean literally all I can do is get up, go to work, and accept 6 months (or longer) of suffering; so I give up on trying to be happy; the credit card company doesn't care about my struggles and didn't help me when I asked for help with getting rid of that ridiculous $400 for a month of diet pills (that I never even got). Everyone wants my money and I suffer because I don't have money to give to everyone, I work too hard to advance my life, just for the credit card company to force me to pay $2300 which should of only been $1400 at the most. Clearly all my pain and suffering is for not because they all want me to continue suffering.
  23. tyrantblade3500

    Well I'm depressed and stressed out again

    Well, I tried talking to the credit card company, all they did was transfer me over to the debt collection agency, whom say the court case is on hold; but that didn't stop the credit card company from sending me a letter signed by the county clerk that they are going to proceed in court. So you see while I wait for the debt collection agency to investigate, the credit card company themselves will be going to court and the judge is most certainly gonna sign a paper so the Credit Card Company will be able to take my wages. So how can you take this as me being able to do anything? I have tried and failed, so all I can do now is literally wait and see how bad it ends up. Needless to say they will probably be taking any of what was my extra money from coming to this new job, so it will be like being at a dead end job all over again.
  24. tyrantblade3500

    Tired of my Lazy Alcoholic brother

    He isnt addicted in the "needs it constantly" kind of way; as I said before he is just one of those people when he drink a tiny bit too much he will not stop until all the alcohol available is gone or he is passed out and sleeping. He can rarely afford to drink like he wants because the only way he has the money is if our dad sends it to him, and nobody else is allowing him anything near that amount of alcohol. The only problem I have had with that is that 1. He has got too content with doing absolutely nothing and not providing financially for too long 2. He has lost the dog twice, and I'm 100% serious when I told him it CANT happen again; or he will be going to rehab or kicked out. I know it sounds like I'm more concerned about my dog and I kinda am, she is innocent (except for the crimes of being too energetic and giving too many kisses), and she costs a lot less than my brother, and she actually does a job (if she ever so much as barks it will keep bad people away)
  25. tyrantblade3500

    People steal the darndest things

    That is one of the perks of gigantic businesses like Amazon, they can usually write off replacements for lost/stolen items because it doesn't happen very often and there is usually enough of a profit margin to cover occasional losses. Now if an individual or a Mom and Pop store was selling something and they don't pay extra for insurance, and something is lost or stolen, they end up having to eat that expense (either as losing the money because of having to issue a refund, or having to lose another item because they choose to send a replacement in hopes of making that customer a repeat customer). I once had sent out a video game, it should have been delivered within 2 or 3 days, wouldn't you know it was lost for 1 month (or longer) and then by the time they tracked it down and gave it back to me I had to issue a refund because the customer had bought it as a present (for Xmas I think) and they had to buy the same thing a 2nd time from another seller; not my fault, but nonetheless it still sucks. But yeah, I hope the cops in a bunch of cities keep doing the same thing as the Jersey City cops to deter porch pirates.