Author Topic: Debt Collectors (Read 42214 times)

Dugout DickStone · « **Reply #75 on:** April 10, 2014, 09:21:40 AM »

Quote from: Emo EMAW on April 10, 2014, 09:14:05 AM

IMO, she shouldn't be driving a vehicle with a payment on it. Sell the one she has, buy something much crappier. An old Honda or Toyota might suit your needs just fine.

wanna bet she isn't willing to do that?

meow meow · « **Reply #76 on:** April 10, 2014, 09:23:20 AM »

Hub has went silent. Drafting divorce papers?

EllRobersonisInnocent · « **Reply #77 on:** April 10, 2014, 09:24:10 AM »

Quote from: meow meow on April 10, 2014, 09:23:20 AM

Hub has went silent. Drafting divorce papers?

She killed him for life insurance money.

Emo EMAW · « **Reply #78 on:** April 10, 2014, 09:25:27 AM »

Quote from: Limestone on April 10, 2014, 09:21:40 AM

Quote from: Emo EMAW on April 10, 2014, 09:14:05 AM
IMO, she shouldn't be driving a vehicle with a payment on it. Sell the one she has, buy something much crappier. An old Honda or Toyota might suit your needs just fine.

wanna bet she isn't willing to do that?

She probably isn't. How can she be convinced? (Assuming you think she should do as I say.)

Bloodfart · « **Reply #79 on:** April 10, 2014, 09:31:01 AM »

Quote from: Emo EMAW on April 10, 2014, 09:25:27 AM

Quote from: Limestone on April 10, 2014, 09:21:40 AM
Quote from: Emo EMAW on April 10, 2014, 09:14:05 AM
IMO, she shouldn't be driving a vehicle with a payment on it. Sell the one she has, buy something much crappier. An old Honda or Toyota might suit your needs just fine.

wanna bet she isn't willing to do that?

She probably isn't. How can she be convinced? (Assuming you think she should do as I say.)

Tell her to put on her big girl pants.

The1BigWillie · « **Reply #80 on:** April 10, 2014, 09:41:23 AM »

http://twocents.lifehacker.com/how-to-budget-when-you-re-broke-1561620381/+whitsongordon

Mr Bread · « **Reply #81 on:** April 10, 2014, 09:42:58 AM »

Hubs life depresses the crap out of me. I can't wrap my mind around getting married and not knowing the extent of this beforehand and then being willfully ignorant of it until it reached this level. There is zero chance this isn't ultimately a divorce. The best part is that it will be after Hubs has helped her pay all this crap off and then he will be resentful as eff. It's your fault Hubs, not hers.

OK_Cat · « **Reply #82 on:** April 10, 2014, 09:48:09 AM »

he's probably going to get stuck with half of the debt in the divorce even if he doesn't get a second job to pay for it.

Mrs. Gooch · « **Reply #83 on:** April 10, 2014, 09:57:04 AM »

Quote from: Mr Bread on April 10, 2014, 09:42:58 AM

Hubs life depresses the crap out of me. I can't wrap my mind around getting married and not knowing the extent of this beforehand and then being willfully ignorant of it until it reached this level. There is zero chance this isn't ultimately a divorce. The best part is that it will be after Hubs has helped her pay all this crap off and then he will be resentful as eff. It's your fault Hubs, not hers.

She'll probably divorce him the day he sends in the last loan payment.

HerrSonntag · « **Reply #84 on:** April 10, 2014, 09:59:15 AM »

Jesus rough ridin' Christ you people are cynical.

Bloodfart · « **Reply #85 on:** April 10, 2014, 09:59:36 AM »

Quit being buttholes guys.

SkinnyBenny · « **Reply #86 on:** April 10, 2014, 10:00:42 AM »

Quote from: Bloodfart on April 10, 2014, 09:59:36 AM

Quit being buttholes guys.

Yeah. You should only be buttholes on here when you are just joshing with your IRL friends.

bubbles4ksu · « **Reply #87 on:** April 10, 2014, 10:09:55 AM »

Quote from: SkinnyBenny on April 10, 2014, 10:00:42 AM

Quote from: Bloodfart on April 10, 2014, 09:59:36 AM
Quit being buttholes guys.

Yeah. You should only be buttholes on here when you are just joshing with your IRL friends.

solid advice from the guy who gets yelled at by everyone except dlew.

slobber · « **Reply #88 on:** April 10, 2014, 10:33:56 AM »

Dave Ramsey

Quote

She could try telling the collector that she is "a journalism graduate making $25,000 a year and it doesn't look like it is going to get any better, but if she could get some extra money from a friend, she would be willing to pay $xxxx in two weeks for a letter in writing stating that the debt would be forgiven." Don't send the money until you have the letter in writing...no matter what. Then, if they agree, you need to beg borrow and steal to come up with the money by that time. Could settle for less than $10k on a debt like this. Credit would be screwed, but it already is.

SkinnyBenny · « **Reply #89 on:** April 10, 2014, 10:35:36 AM »

bubs

Mr Bread · « **Reply #90 on:** April 10, 2014, 10:41:51 AM »

Quote from: Mrs. Gooch on April 10, 2014, 09:57:04 AM

Quote from: Mr Bread on April 10, 2014, 09:42:58 AM
Hubs life depresses the crap out of me. I can't wrap my mind around getting married and not knowing the extent of this beforehand and then being willfully ignorant of it until it reached this level. There is zero chance this isn't ultimately a divorce. The best part is that it will be after Hubs has helped her pay all this crap off and then he will be resentful as eff. It's your fault Hubs, not hers.

She'll probably divorce him the day he sends in the last loan payment.

Sounds like she's a bit of a fuckup. Very unlikely that this is the only way that she is. So that means Hubs is also a fuckup or she's somewhat of a reach for him and this is the tradeoff. Either way it isn't destined to end well. She isn't gold digging. They'll split irrespective of how this ends up, but it'll be just another reason for it to be acrimonious and spiteful. Just an awful way to start a marriage. I mean what kind of a relationship do you have that this is unknown between the two? Yikes. Also who the hell signs up for it? It's so rough ridin' dipshitty it almost makes me angry and I don't even know them.

bubbles4ksu · « **Reply #91 on:** April 10, 2014, 10:43:50 AM »

Quote from: SkinnyBenny on April 10, 2014, 10:35:36 AM

bubs

i didn't mean it. i like your posting, but i also like when people take advantage of your posting insecurity and say super mean things. i also like to make dlew's kindness seem like a negative. make sense?

SkinnyBenny · « **Reply #92 on:** April 10, 2014, 10:45:31 AM »

Oh man SB totally got a dose of his own medicine.

But learned a thing or two in the process!

P.S. Hubs, wish you the best.

Emo EMAW · « **Reply #93 on:** April 10, 2014, 10:46:13 AM »

Do you have to share your "number" before marriage?

420seriouscat69 · « **Reply #94 on:** April 10, 2014, 10:47:40 AM »

If you were single and this was your case, I'd say to marry into a family that's rich.

Daddy Claxton · « **Reply #95 on:** April 10, 2014, 10:51:32 AM »

I want to give Hub the benefit of the doubt when he says "she's seen the error of her ways." I'm pretty skeptical, like Bread, so it's definitely time for her to answer some tough questions about what she is actually willing to do to fix what she's done.

It's also time for Hub to ask the tough questions that he should have asked before asking THE question.

BIG APPLE CAT · « **Reply #96 on:** April 10, 2014, 11:07:04 AM »

Quote from: meow meow on April 10, 2014, 09:23:20 AM

Hub has went silent. Drafting divorce papers?

Hey guys - hadn't gone silent on purpose, just was sitting in a meeting this morning where I had to be attentive and couldn't be dicking around on my phone. I started writing out a big response to a lot of stuff but it was getting way too long so i'm trying to pare it down. I really do appreciate that this topic has generated so much discussion and a lot of people have given some very valuable insight. Thanks for being stud/bosses -- this is definitely uncharted territory for me.

Boom Roasted · « **Reply #97 on:** April 10, 2014, 11:11:00 AM »

Man, people are being mean in here. I do agree with the need to know their full financial situation before settling down though. Scary stuff.

Can't stop love I guess.

Good luck hubs

BIG APPLE CAT · « **Reply #98 on:** April 10, 2014, 11:15:47 AM »

Quote from: Mr Bread on April 10, 2014, 10:41:51 AM

Quote from: Mrs. Gooch on April 10, 2014, 09:57:04 AM
Quote from: Mr Bread on April 10, 2014, 09:42:58 AM
Hubs life depresses the crap out of me. I can't wrap my mind around getting married and not knowing the extent of this beforehand and then being willfully ignorant of it until it reached this level. There is zero chance this isn't ultimately a divorce. The best part is that it will be after Hubs has helped her pay all this crap off and then he will be resentful as eff. It's your fault Hubs, not hers.

She'll probably divorce him the day he sends in the last loan payment.

Sounds like she's a bit of a fuckup. Very unlikely that this is the only way that she is. So that means Hubs is also a fuckup or she's somewhat of a reach for him and this is the tradeoff. Either way it isn't destined to end well. She isn't gold digging. They'll split irrespective of how this ends up, but it'll be just another reason for it to be acrimonious and spiteful. Just an awful way to start a marriage. I mean what kind of a relationship do you have that this is unknown between the two? Yikes. Also who the hell signs up for it? It's so rough ridin' dipshitty it almost makes me angry and I don't even know them.

Bread the least you could have done was bring a body bag!

So I'd like to field this one first: So yes, I can admit that when it comes to making the "fiscally responsible" vs "emotional dumbass" that I clearly went the way of dumbass. Did I know the whole time that she was in dire financial straights? Of course I did. What I didn't know was to just what extent. And perhaps I'm bargaining with myself on this one, but maybe it's the admiration I have for her that I've seen her working really hard to aggressively reduce her debt, or maybe its how she's completely amazing in virtually every other aspect of being a human person, but I think I still would have married her either way. Only thing that might have done differently is we might have waited a little longer to have the wedding since we had to divert a lot of money to paying for the wedding that, obviously, would have been better spent getting her debt under control.

420seriouscat69 · « **Reply #99 on:** April 10, 2014, 11:16:59 AM »

Quote from: Boom Roasted on April 10, 2014, 11:11:00 AM

Man, people are being mean in here. I do agree with the need to know their full financial situation before settling down though. Scary stuff.

Can't stop love I guess.

Good luck hubs

A lot of those ppl who do that, are miserable fucks in their own lives and like to sit back and poke fun at others who are willing to share intimate things about their own lives on here. I admire those who have the balls to share their stories. It beats telling ppl you're some badass, when you probably really aren't.