Fuckity fuck fuck, fucking fuck.
Sometimes, only the simplest of language can express how you feel. Today I got a call from a collection agency, and they got downright nasty with me. Normally, this would just sort of piss me off. But the motherfucker started calling me a dead-beat, and lazy...yada yada. I informed him that we had filed bankruptcy, and he should be getting the notice soon. He then went on another bitching fit.(Note, I already feel like an ass for having to file bankruptcy, so this fucktard is lucky he's in another state.) I informed him that I was recording the message, and he got all polite and apologetic. I then told him that he was in violation of federal law. He didn't like that either.
Then I got nasty, and told him why I had to file, and how yes, I would like to pay this bill, but it wasn't feasible. He sounded so different after my twenty minute sob story. I almost felt bad for putting him through it...then I thought...fuck'em.
5 Comments:
Hmmm...
When I filed, my lawyer told me to tell them this if they continued to call:
"You know, let me stop you right there: Here's the number of my lawyer. Talk to him. Bye now."
I never really had to deal with it though. Most of the calls stopped right on the spot after I filed.
And yes, filing makes you feel like a deadbeat.
I felt like I was robbing these companies of money I owed them.
But then I remembered, that after interest charges and other various bullshit fees, I had paid back my initial balance at least threefold over the years.
So I decided fuck 'em all.
-S
Don't feel bad. You gave this guy a good dose of reality he deserved. In his skewed reality, everyone is trying to get somethin' for nuthin' and that isn't true. Yeah, there are a few out there, but most of the people I know that have had to file, have had something life altering happen to them. So this guy got a reality check. Maybe he'll be nicer to the next guy. As for you... let it be water off a duck's back. Fuck 'em.
Yea, when I had to file, the lawyer pretty much told me to just give his number to any collectors that call. We really only had to do that for a couple of bill collectors. But for the most part, the calls pretty much stopped after a week.
It really does suck to have to file for bankruptcy, but a little humility in life is a good thing to experience one in while. I figured I just had to bite the bullet and face the humiliation like a man. Even though I felt like less of a man for "dodging my debt". :-(
- Cheepdogg
I filed because when my ex filed, the mortgage company came after me and said "$38,000 please". They wouldn't work out payments with me or anything. Word of advise, after you have filed, make sure that anything and everything you filed on is no longer listed separately on your credit. I found out that the same mortgage company who caused me to have to file, left a separate lein on my credit which should have been removed for $20,000. I kept wondering why I was having so many problems. Get a copy of your credit report a few months after you file to make sure there's nothing like that on there.
-Nessa
Well, it wasn't a life-alterning experience in my case.
Unless you count being a financial dumbass in my early 20's as a life-altering experience.
It's amazing how all the "I'll just put the phone bill on the card this month" and "I'll just throw these jeans on the card" type things can add up to $16,000 over the years. (Which, on 22%+ credit cards, is a bitch of a monthly payment, BTW).
And to think I haven't had a credit card since I filed (over 2 years ago now) and it hasn't phased me one bit.
Just wish I could have filed against my $17,000 school loan. Still have that beast to deal with. Bah.
S
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