Just got served legal papers for not paying back my credit cards wtf you faggots told me to debt max and their would be no repercussions I'm fucking ruined
get in more debt to pay them back
>>522609606Imagine listening to anything said here. Imagine being this retarded.
>>522609606ask chatgpt for legal advice and tricks
Is there something called "unsecured debt"? It means the credit card companies can't do shit, right?
>>522609606doesn't mean shit yet, that is just some jew collector trying to spook you. most judges and counties aren't going to side with these jew rats. my rural county judge doesn't. just tell the judge you are broke and can't. judge will side with you I bet. unless you make a bunch of money
you were supposed to pay your cards with other credit cards you doofus
>>522609606You’re not supposed to answer the door you fucking idiot you did it all wrong
>>522609606How much in total is the credit card debt?
>>522609606No, we told you to rack it up then move to another country and renounce your US citizenship. Then nothing would happen.
>>522609606>In this edition of blogposts that didn't happen...Cool story, bro.Now do a flip, faggot.
>>522609606File bankruptcy
You were supposed to arm yourself to the teeth with the free money and make a last stand against zog
>>522609606Im currently being investigated for elderly abuse because my father in a nursing refused to take antibiotics as they sound like antidepressants which he knows make him psychotic. Even though I’m not there nor know he got offered or turned down meds the nursing home reported me claiming I told him not to take them undoing so endangering his life.
My older bro owes me 13k for paying off his cc debt cause the interest payments were fucking himI kinda wanted a new (used) motorcycle but whatever I don't understand people who can't live within thar means
>>522609606There's this neat trick poor people use called being judgment proof. Sue me all you want you can't touch a dime of my income.
>>522610269Look at your brother's current credit card statements. People who rack up debt usually have persistent habits.
Dude, you spent money that you Borrowed, pay it back! If you can't and you already made the mistake of overspending... fair enough, it happens, unfortunately, declare bankruptcy and pay the toll. Don't do it again.I know scumbags steal and cheat and lie... in society and it sucks, but you signed an agreement and stick to it.
>>522609606ah jeez dood
>>522610889>pay blackrock and vanguard that money back!lol stop posting here you rat jew. no one should pay that shit back unless the jew credit score means something to you.
>>522609606You got some letters with some scary words written on it? Who gives a fuck?
>>522609882Except ruin your score, and potentially life for a bit... like you'll be forced to rent from a giant AHole pakijeet a room vs from an overpriced greedy corporation where at least you can lock your doors and they won't pakijeet enter at their will!
>>522609606You needed to credit max more than a credit card then declare bankruptcy retard. Now they’ll have you on a repayment plan after adding a shit load of fees, and ruining your credit files for the best part of a decade lmao
Every call a debt collector makes is potential money FOR YOU!>call before 8am? $1K violation>call after 9pm? $1K violation>call after i said stop? $1K violation>call my employer? $1K violation>threaten arrest? $5K violationRECORD EVERYTHING!Say this word for word and it’ll scare the shit outta them!>you violated FDCPA section 805(a)(1)pay me $3K or we go to federal courtYOU’RE WELCOME!
>>522609606Get another credit card to pay off the current credit card, rinse and repeat.lmao
>>522609606>legal paperslmao just ignore them. The fuck they gonna do? Garnish your wagies??
>>522609942Can't pay a credit card with a credit card.
Here’s a template on how to SUE collection agencies!CERTIFIED MAIL - RETURN RECEIPT][Collection Agency][Address]Re: Account #[XXX]FDCPA Violations - Demand for PaymentDear [Agency],This letter serves as formal notice of your violations of the Fair Debt Collection Practices Act (FDCPA), 15 USC 1692.Documented Violations:1. [Date] at [Time]: Called before 8:00 AM Violation: 15 USC 1692c(a)(1) Statutory Damages: $1,0002. [Date] at [Time]: Called after cease request Violation: 15 USC 1692c(c) Statutory Damages: $1,0003. [Date]: Threatened legal action without intent Violation: 15 USC 1692e(5) Statutory Damages: $1,000Total Statutory Damages: $3,000Plus actual damages, attorney fees, and court costsI have recorded all calls and maintained detailed logs.Settlement Offer:To avoid litigation, I will accept $1,500 as payment in full for these violations and deletion of the alleged debt from all credit reports.You have 15 days to respond before I file suit in federal court.I am also filing complaints with:- CFPB- State Attorney General- FTC- BBBSincerely,[Your name]The secret sauce:- Always mention attorney fees (they panic)- Reference specific USC codes (shows you're serious)- Give them an out for less than maximum (they'll take it)They buy debt for 2 cents on the dollarPaying you $1,500 to go away is cheaper than court
>>522610000Lol, fucking sinister advice, immagine giving up US Citizenship for anything... anyway, I am laughing because I actually know an idiot who took a shit ton of cash from all his avelable credit and ran off back to the Balkans! That did not last long though, he returned and worked away paying every single penny back.I don't mind people Saving up and leaving, but apparently shit ton of pakijeets steal credit then run. I say, take the cash just leave snd fuck off, I can't eben be mads at pakijeets for doing it, every time I hear one left I get thankful and happy. lol
>>522611343I'm going to start threatening random businesses with legal action with this.
>>522610945Did you earn it? Is it your money, no, so pay it back.One way or another everything is paid!
>>522610115id be down there in the office of the person responsible slamming their head against their desk
>>522610760He's just a buyfag who needs the newest thing and perpetually replaces everything His computer for example is highest tier cards and cpus to play minecraftIts nothing egregious he buys but he lives way above his means its insane
>>522609994~80k total debt Got liquidated in crypto markets back when Trumps son's fucked me over on LINK long back in March or so
>>522609606you should just move then
>>522609606There are no repercussions, tell them to fuck off and leave. Go into the woods, they cannot track you. Embrace life, reject income.
>>522609792/thread
>>522612393Kek honestly how I feel in this late stage capitalism hellscape I was a victim of "the great reset" Trump, musk Theil all fucked me over on crypto positions so idgaf
>>522609882It means it has no collateral you can seize automatically to recover the debt. So like it isn't secured by a car, some equipment or some land etc.
>>522609606What repercussions have you faced? Some faggot who probably had a knot tied around his throat like a slave handed you some papers. Throw them into the street and walk away from him. Call his mom a whore, too.
>>522609606Just run away from your problems. They always tell you that you can't run from your problems to stop people from realizing that's all you have to do.
>>522612591They're just sending gang stalkers and once a wild vivid nightmare straight from some voodoo shit
>>522609606Attend the court hearing and they'll drop the case because most people don't bother and the card companies are looking for easy street.
>>522609606Just throw them away
>>522611343imagine thinking the jeets they have spamming you give a shit, lmao. tell me you're <24 without telling me.
>>522612591no habro engraise!
>>522609606That should not be possible... not how our system works unless you were operating as a business, someone stole my identity and racked up 64,000.00 of cc debt and I ignored it for 2 decades straight, just put a whitelist app on my phone and then debt collectors couldn't call or text me to collect, If your really in the US that's all they can legally do. I eventually got annoyed clearing my blocked call notifications and filed for chapter 7. won. debt discouraged. fast forward 2 years and some nigger streetshitter bought my debt, tries to garnish my income (they don't serve you papers to do this they call a judge in your state / city and the they authorize it without notifying you), jeet cant garnish cause my money is protected under DAC. I called him and mocked him and his family at his "business" every day so hard he would chimpout and spam call my blocker 79 times in an hour almost daily I continued to do this until he killed himself.
>>522609606>>522609875>>522609792>>522609882>>522609937>>522609961Debt MAX you cards buying gold bullion. Throw away said cards and change address and phone number. When they track you down do again wash rinse repeat. Play dumb, play poor. If that doesn't work, move to a different state or declare bankrupcy and wipe the slate clean and do it to those fags again. Social security isn't going to be around because of what these fag banksers done with the money printing to get their bailouts. Thats what these fucking corporations and banks will do to you back if the shoe was on the other foot.Fuck them.
>>522609994Thanks for reusing my meme I released a few days ago :)
>>522609606You're supposed to keep mailing them a pittance every month so you can show good faith effort or whatever in courtThen you settle for around the original amount loanedI haven't even done this yet I think I'd probably do it right before leaving the country if I could get ~100k
>>522613750why would a documentary involve the subjects not moving? are you confusing it with a photo?
>>522609606Does it have a court day? If not, it’s not “getting served.” They’ve been doing this shit recently and my sister got suckered in. It’s all shit. Tell them you’ll pay 10% of the total debt, and if not, tell ‘em fuck off and ignore them.
>>522609606> As with other debt collection law firms like Weltman, Weinberg & Reis, or Ras Lavrar, Zwicker & Associates does not usually own the debts they collect on. Therefore, they will not appear as a creditor on your credit report. However, any payments made to Zwicker & Associates should be reported by the original creditor.OP, is it these assholes? I know how to deal with them. Just confirm or not.
>>522611012LOLI rented from corporate landlords for a short time and their lease agreement basically gave them the right to enter at any time.
>>522611597Wrong leaf. The CC company made an investment, sometimes investments go to zero, that's the risk they signed up for. No individual is under any moral obligation to repay a corporation if they so choose.
>>522609606My best buddy filed for bankruptcy and got in a dept consolidation program. Took a long time but he's debt free now driving a 2001 BMW
>>522609606You took advice from 4chan? You poor fool! HAHAHAHAHAHAHAHAHAHA
>>522610889>you signed an agreementspeculating on crypto is a lot different from borrowing money for college
take more debt and just move to western europe as a refugee
>>522619403I thought when Trump invited Sergey over to they white house it would bring singularity but I fell for it again award
>>522611110digits
>>522609606Lol, I tried that here and some debt collector came to my home a month ago with two goons because I was ignoring all their attempt at contacting me.They forced my door, gave me a convocation to the tribunal, fixed my lock and went on their way.Interaction took 10min.
>>522609606HAHAHHAHAHAHAHHAHAHAHAHAHHAAHAHHAHAHAHAHAHAHHHAHAHAHAHAHAHHAHAHAHAHAHAHHAHAHA KIKES WILL RAPE YOU TO DEATH NOW
>>522609606>ohnooo i got sent some paperthey literally can't do shit to you even with those papers
>>522609606Typically they only sue if they think you actually have the money to pay. If you're actually poor, show up to court, show proof you're destitute, and they'll likely drop it for the time being. Or try calling them before the court date and see if they'll drop the case against you "until I have income again". I owe close to $30k and no one has tried suing me because they can't find any evidence of income. Chase recently offered to settle for 14% of what I owe. I might have settled with them if I actually had any money but I don't. That's the key to all of this. You can't actually have anything if you want to truly get away with debtmaxxing. Since you got legal paper, you really should do something. If you simply ignore it, the judge will enter a default judgement against you. Once that happens, they can go after your bank account, physical assets, and paycheck... if you have any of those.
>>522609606If you have no job you can probably ignore them. Can't garnish wages if you don't receive any. Unless you declare bankruptcy you'll basically have to dodge debt collectors for however long it takes the debt to become unrecoverable. That's 6 or 7 years here but no idea what it is in America.
>>522610361Same here. Still, if a person gets a court date, it's still best to show up rather than get a default judgement as you might someday have assets.
>>522622306The statute of limitations on debt varies by state and debt type. For credit cards, it usually ranges between three and seven years. But if you get a judgement against you, usually because you didn't show up for court, that can be renewed until the day you die. Always show up for court.
>>522622658Fair enough. What generally occurs if someone shows up for court and the judge determines they are judgement proof due to having no income, savings or assets?
>>522622262>Chase recently offered to settle for 14% of what I oweCouldn't you just agree to a payment plan for the $4000 over a number of years or will they only accept a lump sum?
>>522609606So how do I debtmaxx most efficiently? As you can see, I’m in an untouchable jurisdiction for my US creditors. I’ve got over 100k in current revolving credit lines and a very high credit score. Here was my current plan:>go to Dubai>get personal loans and send the funds out so they eventually end up here >buy a ton of precious metals on my cards>sell said PMs (or keep them, really) and take whatever loss I make>debt consolidation loan >repeat the process on my cards, probably won’t qualify for a new personal loan>repeat until I cannot>take the cash back here, claim it at the airport (tax free for foreigners, believe it or not)>file for bankruptcy
>>522622189I would pump alig shots into them it's all signature loans and credit and I. Pretty much just claiming force majeure due to that dumbass retard Elon muskrat and Trump's sons fucking me sideways when he took over
>>522622889In England, that isnt a wise move to pull. If the creditor or DCA goes for a CCJ, its because they think the amount is worth it, and they stand a good chance of winning the case. I'm not saying you can't beat it (uncompliant CCA for example depending on the type of debt), but its getting serious. You should agree a DMP before going to court for the lowest amount possible. CCJ's are exempt from becoming statue barred. So bailiffs will be following you around all your life until they recover the debt and your credit files will be ruined indefinitely until you resolve it + 6 years. What are you going to do, live as a neet for the rest of your life...No official income, no TV, no car, no fridge freezer, no computer, playing cat and mouse with some cunt that wants to gain access to where you're living.
