tyrantblade3500 Posted December 25, 2018 Share Posted December 25, 2018 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. Link to comment
Baby Girl Sarah Posted December 25, 2018 Share Posted December 25, 2018 I`l admit it SUCKS dear Honestly what can you do then accept ? Just so you know dear im WAY over youre 1500 D in dept and i STILL keep fighting EVERY day to get some cind of life and get it better and of course PAY my interest and and dept. Hon 1500 D is what it is 1500 D i give you that BUT its NOT the end of the world dear and NOONE have asked you to have to sell everything you got Struggle YES welkome to whats commonly known as LIFE dear we get our up`s as well as downs. The thing tho is to KEEP struggling to get MORE of the ups dear. Link to comment
Wannatripbaby Posted December 25, 2018 Share Posted December 25, 2018 Dear @tyrantblade3500 I have been following along with your problems and I am so very sorry. Not just for your physical circumstances, but for the hopelessness you've taken upon yourself. :( It's like the beginning of It's a Wonderful Life: "What's wrong with him? Is he sick?" "Worse. He's discouraged." No physical pain or thauma can compare to the erosion of one's very soul. So, what is to be done about it? This is going to sound counter-intuitive, but bear with me: You need to find the things you're doing wrong and change them. I know it may seem like you're only heaping more burdens on yourself by finding the ways in which you are to blame, but it's actually the opposite. By finding tangible things that you can do to improve your situation you'll finally be able to start making your life better. And just the starting will instantly make you happier and/or less stressed because you'll be making progress towards a goal. :) Link to comment
horrorfan Posted December 26, 2018 Share Posted December 26, 2018 It will be better for you in the long run if you pay off the debt soon, as interest is the ever dreaded gift that keeps giving. I recently quit Netflix because I just couldn't afford to keep shelling out ten a month to them. Go through your bills and see what you need versus what you want and try to trim the fat until you get your head above water. Also for some possessions, it may be worth considering the item value versus what you'll pay in interest for remaining in debt (whether you could outright buy the thing with the interest paid). I hope this helps and best of luck. Link to comment
tyrantblade3500 Posted December 27, 2018 Author Share Posted December 27, 2018 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. Link to comment
Baby Girl Sarah Posted December 27, 2018 Share Posted December 27, 2018 See told you would you would be able to fix this dear NOONE asked that of you hon and that would be a disaster i agree I never said you did Sadly yeah and as shuch you have to keep this in mind when you do spend youre money NOONE can dear Al in al id say GOOD work hon (two thumbs up ) Link to comment
horrorfan Posted January 2, 2019 Share Posted January 2, 2019 On 12/26/2018 at 7:38 PM, tyrantblade3500 said: 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. Don't misunderstand, I was just throwing out the suggestion that you end subscriptions and services that you don't absolutely need until you get this resolved (we take our trash to the dump for crying out loud). Netflix and Amazon Prime can cost anywhere from 20 to 30 a month, so that's something I've personally had to quit, but if you feel like you don't have any subscriptions or services you can cut back on then don't mind me. Link to comment
Mars.inDiapers Posted January 3, 2019 Share Posted January 3, 2019 In the other thread you said you bought two TV sets, two Nintendo 3DS, a Nintendo Switch, a PS4 and a computer.... Really? You need all that stuff when you're in financial trouble? I get that you want to enjoy some fun. So don't sell all of it. Keep just the minimum plus something (say, one TV, PC and one console). But you don't need it all. You bought too many gadgets when you weren't certain how things will go in the future (okay, you can't predict getting screwed over in an online order, but it wasn't news to you that your brother isn't going to be of much support in the financial department, was it? And you buying shit for him to waste time on instead of looking for jobs didn't do a lot to improve that). Look at it this way. All the things you get rid of now, in order to ease the pressure of bills and loan payments, will be easier to get back in the future when you're not caught in a debt avalanche. I'm sorry for being so blunt. I could just say 'don't worry about it', and 'everything is going to be okay', but that was not going to make your problems go away, and the way I see it, you kind of were setting yourself up for trouble, spending money on unnecessary stuff and keeping no reserve to fall back on if shit were ever to hit the fan. So yeah. Sell something to get some weight off your back. Your brother certainly doesn't need any gaming equipment if he didn't work for it. Get rid of it. It will motivate him to get off his ass a lot more likely than him still having the option of staying sat down at a TV set and a video game console. Downsize your cellular data service if necessary. And if you pay for your brother's cellular service, then definitely curb it. Anything above 500 to 1000 MB of cellular data per month is not necessary for job searching and would only serve him as a way of wasting time on the internet with games and shit. No job, no fun. What ever you do, ask yourself this: if you keep all of the things you have, is it because you genuinely need them to keep your sanity, or is it because you just want to keep them, and/or can't admit it to yourself that you can't afford to? Link to comment
Bettypooh Posted January 3, 2019 Share Posted January 3, 2019 A lot of things we deal with in life are as much how we view them as it is their real affects on us. I'm in the worst financial situation I've been in in decades, and this time round with very little means of improving this. Right now if I had a windfall of $1500 I would darn near feel rich and could get things set up to where the next few months would ensure a decent year ahead. So yeah, seen this way it's a lot of money. But over a whole year's time it's just $4.11 a day which I could probably manage to come up with at least half of that without hurting severely for the effort. As it happens I owe that exact amount to my sister who kindly loaned it to me to get my car fixed. Somehow I'm going to repay her though it's not going to be all that easy. Which it would have been a few years ago. So as soon as I can scrounge the few bucks I need for parts to (hopefully) make my second car run I'm going to sell it. If I can sell it running it will pay more than scrap prices so it's my best approach. I'm also going to be selling some other stuff I've acquired over time that isn't needed by me anymore. Craigslist will help me there even if that won't get me top price. I'd like to keep a lot of that stuff but I simply can't now, and I can live without it. I'll soon be changing my phone plan to a cheaper one. I've already switched to my cheapest possible option for the diapers I need even though I hate doing that. I've gone to eating as cheaply as I can which wasn't too far from where I already was but every cent I save helps immensely. It isn't easy nor does it make me happy but it's necessary and I can live through it which is all that matters to me. Unlike you, there's no happy ending possible to my story but you've got a chance for a happy future if you can get past this so you should change how you look at it and see it as a one-time temporary setback which you can get through at just $4.11 a day. Which isn't much if you look at it that way. Bettypooh Link to comment
tyrantblade3500 Posted January 4, 2019 Author Share Posted January 4, 2019 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. 2 Link to comment
Baby Girl Sarah Posted January 4, 2019 Share Posted January 4, 2019 As i and others said it wasent the end of the earth you thought it would be . and from were im standing i say you doing a great job in getting this mess takend care of dear Shore it sucks BUT as long as you can keep this up the faster you can get back on track again 1 Link to comment
Bettypooh Posted January 4, 2019 Share Posted January 4, 2019 You're on the right path now Life is full of glitches so don't let yourself get bummed out over them. Persist toward your goals and you'll reach them; you can do anything that's physically possible to do as long as you keep pushing forward. The world looks brighter when you have an "I can do this" mindset, and focusing on that helps make getting past the glitches easier Bettypooh Link to comment
Diapered Jason Posted January 29, 2019 Share Posted January 29, 2019 I am confused as to what the debt's legitimacy is. I heard something about automatic billing and diet pills. If you think it is a scam, don't pay. Call VISA or MasterCard to get this settled if they already took money from you as it sounds like it is on a credit card. Your bank can also be of assistance. Link to comment
tyrantblade3500 Posted January 30, 2019 Author Share Posted January 30, 2019 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. Link to comment
Baby Girl Sarah Posted January 30, 2019 Share Posted January 30, 2019 Well i dont disagree and sadly we have this cind of scams over here as well so the mistakes you made was A ) You DIDENT bother to read the fine print Were it probably says that if accepting this samples you automatically accept and runing subscription of diet pills for the amount of 400 Dollars /month etc..... B ) You dident contacted said company and detest said shipment & also inform them that you never received said shipment . Thats problem indeed but as im unfamiliar with the postage laws in Us and youre state i cant say either way on that one (over here they can track ALL the way until actually delivery ) Unfortunately thats again were you made the mistake of NOT paying & dident contact the pill company and state that you dident get youre pills (the problem here is that its youre word against theres im afraid ) C) and thats the mistake you should have stated that you did not get the pills and therefore you cant possibly be required to pay for merchandises you did not receive . When you just block them they will get angry and they WILL come at you with everything they got im afraid Its unfortunate i agree but based on what have been discibed here by you id still say you did the best thing by accept defeat on this one as you things would have gone REALLY bad if you hadent I agree and now you hopefully learnt youre lesson ALWAYS read the fine print before accepting ANY samples ,free gifts etc.... one golden rule we have over here is if something sounds to good to be true its usely isent. And this fee sample samples is USELY attached with the fine print of you getting in deal with said company to recive on regular basis more of said merchandise (or like they have here with phones and I pads get the phone /I pad cheep sign up for a monthly mobile phone subscription fore usely 1 -2 years This cind of company's LIVE on those that dont bother to read the fine print and just see A free sample or cheep merchendice Link to comment
Diapered Jason Posted January 30, 2019 Share Posted January 30, 2019 It's not over yet. Capitol one is clearly not on your side, but call Visa or MasterCard depending on who services your card and contest the charge. If you did not get anything, you have a really good shot of getting your money back. Once that is done, cut up your card. Capitol one is an awful bank to deal with. Link to comment
Baby Girl Sarah Posted January 30, 2019 Share Posted January 30, 2019 12 minutes ago, Diapered Jason said: It's not over yet. Capitol one is clearly not on your side, but call Visa or MasterCard depending on who services your card and contest the charge. If you did not get anything, you have a really good shot of getting your money back. Once that is done, cut up your card. Capitol one is an awful bank to deal with. I agree but in the mean time PAY said buils and HONER youre agreement tho if you win then you get youre money back , BUT if you try to withhold said previously agreed on payments things will NOT end well . Link to comment
Diapered Jason Posted January 31, 2019 Share Posted January 31, 2019 23 hours ago, Baby Girl Sarah said: I agree but in the mean time PAY said buils and HONER youre agreement tho if you win then you get youre money back , BUT if you try to withhold said previously agreed on payments things will NOT end well . Yeah, you have to pay your credit card bill. 1 Link to comment
Bettypooh Posted January 31, 2019 Share Posted January 31, 2019 As long as the terms of an offer are clearly stated and not hidden, it's up to you to read them before accepting them. There's nothing illegal about it, but some of this borders on being immoral IMHO. As Bruce Williams often said, you are the one most capable of destroying yourself and all it takes is your signature. So I never sign anything or click on "I accept" until I read everything related to it and understand it completely. I'm sure you legally agreed to the deal even if you weren't aware of it which is why the bankers won't erase the charge for you like they would if it were a scam. Just learn from this, pay it off, and don't make the mistake again. I try to see everyone in this world as a potential friend, but in business and financial matters I see them all as my potential enemy who want to get all they can from me without giving me an equal return. By business I mean anything with an "accept" button or which requires my signature or implicit agreement. Trust but verify before acting- honest people won't mind you doing that. Bettypooh Link to comment
tyrantblade3500 Posted January 31, 2019 Author Share Posted January 31, 2019 On 1/30/2019 at 9:28 AM, Diapered Jason said: It's not over yet. Capitol one is clearly not on your side, but call Visa or MasterCard depending on who services your card and contest the charge. If you did not get anything, you have a really good shot of getting your money back. Once that is done, cut up your card. Capitol one is an awful bank to deal with. 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 3 hours ago, Bettypooh said: As long as the terms of an offer are clearly stated and not hidden, it's up to you to read them before accepting them. There's nothing illegal about it, but some of this borders on being immoral IMHO. As Bruce Williams often said, you are the one most capable of destroying yourself and all it takes is your signature. So I never sign anything or click on "I accept" until I read everything related to it and understand it completely. I'm sure you legally agreed to the deal even if you weren't aware of it which is why the bankers won't erase the charge for you like they would if it were a scam. Just learn from this, pay it off, and don't make the mistake again. I try to see everyone in this world as a potential friend, but in business and financial matters I see them all as my potential enemy who want to get all they can from me without giving me an equal return. By business I mean anything with an "accept" button or which requires my signature or implicit agreement. Trust but verify before acting- honest people won't mind you doing that. Bettypooh Like I said, I couldn't hit a but to see what I was agreeing to, that is the whole problem. Link to comment
Bettypooh Posted February 1, 2019 Share Posted February 1, 2019 If there's no way to see the terms you would be agreeing to that would render the contract legally invalid, You'd need a lawyer to look into that but if true, then you can sue for damages as well as all the costs involved. By law all contracts must have everything each party is agreeing to clearly spelled out in them, and only what is described is enforceable. If they didn't have this then it's clear-cut fraud and there's a big chunk of money to be had. Bettypooh Link to comment
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