Well since it's becoming apparent all debt payers are suckers, what are the primary means of combating collapsing good goy score penalties resulting there-in-of?Surely there are alternatives to getting things done without the threat of the bad good goy score stopping you.>No Anon noooooooo you need to have a high good goy score! Get a credit card and start PUMPING it with debt IMMEDIATELY and then pay it off but not too fast so they can get some interest back! Do this for 20 years and then maybe you'll be able to pull out a mortgage!"Haha nope, it's too late, all too fucked AND gay for that now.
>>62423592Never took a loan, never had a credit card, never owed anyone anything. When the bank sees me depositing another 10k from oil shorts it begs me with ads to put it in some low-% scam account that will barely match inflation. Nope! Shit's out of my account by next Monday, cya suckers!
What did you expect to happen in an economy where no one can find a fucking job and the cost of living doesn't even remotely resemble what it was like in 2019? You know what will help someone in this situation? Another five-round interview process where they still get a rejection email at the end.
>>62423705Everyone can get a job lol the job reports are great only retards can’t get jobs I literally just accepted a job offer after two weeks of looking
>>62423715>look how many brown assholes I had to lick to get accepted into slavery
>>62423727Sorry to hear no one will hire you big guy, but it’s great that you’re trying!Have you applied to SSI for your disability yet? Maybe your parents can help if the forms are too hard for you champ
>>62423592>debt is BAD!lolNGMI
>>62423592I stopped caring about my credit score. I stopped paying my credit card bills when I had to choose between those payments or keeping my car insurance and paying rent. They eventually sued me and after a long, stressful process that has profoundly altered my sense of trust in the American legal system and rule-of-law in practice (for the worse), I negotiated a 30% payment (though, with actual legal representation, I might have walked away scot-free). I'm still not convinced that these companies have standing to collect any alleged debt from me, but once you get branded with a judgment, you're fucked.I wouldn't have had to take out the debt in the first place if I'd been paid properly, at the same rate as my parents had been at the same age and education level. In general, my hope is that young people avoid the debt trap entirely, or else go so far in debt that becomes the creditors' issue. Eventually the chicanery has to end and either people start getting paid enough to live or the system collapses.
>>62423754You took out the debt because you're stupid, full stopThe rest of your life will also suck because of that same truth
Do I really have to tap the sign?
>>62423754The trick with this kind of shit is to just not have a mailing address. Bail on your cards in between a move or something next time so they can't actually hit you with anything. They sued you because they knew you were a good goy who would ply ball with them. You think they sue jamal and shanequa? Never play ball and ignore literally all mail from them if you can't afford to do some shit like this you cant afford to debt max
>>62423859a quarter of Americans aren't paying it back. If they "Win" and collapse the system then I'm the sucker.A Quarter of Americans is a big number, that's more than enough to win a civil war. The ability to "punish" that amount of people becomes less and less of a reality the more they grow.
>>62423651based
>>62423592>what are the primary means of combating collapsing good goy score penalties resulting there-in-of?I have never been rich enough to move out of my mom's house and 80% of my credit card debt is on 0% APR until March 2028 cards. There is no incentive for me to not continue shifting the debt around forever until I become rich.
>>62423715even mcdonalds wont give u an interview in 2026 its cooked unc.
>>62423868thisjust ignore it until they literally break down ur door, even if they come knocking pretend u arent home kek wtf are they gonna do
>>62423849>You took out the debt because you were perennially underpaid and had living costs that exceeded pay despite cutting those costs judiciously, and spending carefully and sparingly in line with a carefully-planned budget.That's right anon I'm surprised you know me so well.
>>62423868>>62423923Nah, they can get a judgment even if they never serve you notice that they're suing you - they just have to lie and say they did, and the default as far as the court is concerned is that it's accepted unless you challenge it, which you won't, because you didn't know you were being sued. AFAIK the only defense then is that you move to vacate the judgment within n days of it being entered because you weren't served, but I don't know if that actually works because the judge basically ignored everything I said to him. NLA.That's the trick: when you walk into court, the judge is a lawyer and the debt collector is a lawyer and you are not a lawyer. Law? You think law rules? Those two rely on each other for their careers. You're just the mark.
>>62423592It doesn't matter if your goyscore is rekt, you will not get a loan for a decent house. You might get enough to fix up a place but you'll be doing all the work. I make $52k a year in a really cheap city. Credit score is 814, no debt. Luckily my rent is around 16% of my salary. Saved up $40k for down payment. Banks won't lend me even $65k to buy a house. I don't earn enough. They'll let me buy an $80k truck at 17% though. Of course I put the savings into the market for now but I'm only really breaking even at this point.
>>62423884I haven't paid student loans for 15 years I just apply for all the deferred options everytime because I saw it getting bad enough that eventually they'll wave it, or the 4-5% I'm accruing interest is lower than what I make using that money instead. >>62423859Tell that to fucks like JP Morgan or Citibank that took free loans from the government after fucking up.Or fuck that, trump hasn't paid off a loan in decades and he's president. Why the fuck would I be a sucker with that as a role model?
>>62424019You do know the banks paid back the loans with interest, right?
>>62423592You should have got a (((PPP))) loan. They were all forgiven :^)
>goy scoreIt's quite something that your people can kill a third of mine and we can forgive you, but when we put a leash on your retarded ass to stop you from hurting yourself you lose your shit.
>>62423909ThisThere's a million credit card offers with 1-2 years of zero interest intro rate and zero balance transfer fee
>>62424092>We can forgive you>Prevent you from hurting yourselves
>>62424047>"Interest"Sweetheart deal. And they never paid reparations for the millions of financial lives they ruined. And they used their continued existence to scam even more people through fraudulent foreclosures. And none of their executives went to jail.
i'm paying off my $150k loan in the spring. it's all a jewnigger scam>plan future around SAVE payments of like $600/mo>orange nigger and the kike congress unilaterally change the terms of payment>SAVE killed and payments go up to like $1k/mooh and of course you can't pay via credit card to get a modest 1% cash back.
>>62424261He means stop you from putting too many people into debt. Jews/bankers often get killed when it happens. Because law enforcement can't enforce anything when the number of delinquents reaches critical mass and are also constantly at risk of becoming one of them. It just gets to the point where it is easier to go after the creditors. And that is the best case scinaro before it get to the point of lynch mobs.
>>62423859Did society give that graduate a high paying job to pay it back? Are there too many graduates in his situation? Take the L or prepare to die.
>>62426210Yes it's our fault for offering people debt they accepted
Friendly reminder that the ultimate beneficiaries of tuition gouging isn't the banks, the government, or "da jooz", but the universities, most of which have eye-watering endowments already, and are the ones selling the actual useless degrees made up of 60% left-wing propaganda instead of actual job training.If you want to direct your anger at or suggest violence towards someone, it ought to be them.
>>62426367>>62428028Shut the fuck up, kikes. Now face the wall.
>>62423592Student loans are shackles on young people. It's no wonder people aren't starting families. My student loan payments are astronomical. I could definitely afford a house if I didn't have to pay student loans
>>62428078If you didn't have enough sense to get a high paying career and/or your parents aren't rich, you shouldn't expect to ever have your own house.
>>62426210dangerously based
>>62428045See>>62428157
>>62428223Are you…poor..?
>>62423592>>62423651You're leaving money on the table.There's no interest charged to your credit card if you pay off all payments on the statement balance.You're leaving money on the table because if you get a card with good cash back benefits, it's money back to you, on money that otherwise would not get that by just paying things with your debit card.I have a couple cards that give 3-6 % cash back depending on the purchase. Like gas or groceries.
>>62428356Rich get richer.
>>62423651Sounds like you are a goyim dealing in the real world
Keep all your debts no more then mid 4 figures per account. Its the sweet spot where its not worth the cost of a lawsuit, a simple write off and youre sent to collections. Negotiate it 90% down (or dont pay lmao)
>>62423705they over hired and overpaid people in 2019. cope and seethe lmao
