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Take that poo poo back to the store what the gently caress. Don't just loving roll over for poo poo like that, what's more important, christmas gifts or having a loving place to live.
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Dec 21, 2013 19:20
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Or like... take 100 bucks worth of it back to the store, and tell the kids Santa made a late delivery or "whoops look what Santa accidentally left on the roof!" when they get a couple more gifts next week. Jesus.
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Dec 21, 2013 19:22
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oldskool posted:
Please say that the next part is where you return some of those to pay your bills? How would you possibly let that fly?
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Dec 21, 2013 20:15
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Jeffrey posted:See I can't get a job without changing my degree to my new name because ??? The person's post mentioned they had an abusive family member who violated a restraining order, and they got a name change with the court order having been sealed so the abusive family member couldn't find the new name. Universities will reissue degrees and update their records if you send them a marriage license or court order. But this person feels that their family member is that big of a donor that the student records office would recognize the name and go "oh hey isn't this Uncle Abusey McPennybags' nephew?" and tip them off on the name change.
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Dec 21, 2013 21:38
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kitten smoothie posted:The person's post mentioned they had an abusive family member who violated a restraining order, and they got a name change with the court order having been sealed so the abusive family member couldn't find the new name. Surely if that did happen there would be some pretty severe legal repercussions for the school?
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Dec 22, 2013 00:48
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Rudager posted:Surely if that did happen there would be some pretty severe legal repercussions for the school? Possibly - after a lengthy and potentially expensive lawsuit, after the damage was already done.
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Dec 22, 2013 01:08
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Giant Goats posted:Possibly - after a lengthy and potentially expensive lawsuit, after the damage was already done. He could just change his name after the lawsuit. 
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Dec 22, 2013 01:14
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Rudager posted:Surely if that did happen there would be some pretty severe legal repercussions for the school? A) that's cold comfort after the fact. B) sometimes the question isn't who's right as much as it is who paid for the better lawyers
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Dec 22, 2013 01:46
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oldskool posted:For content, my wife spent the mortgage money on Christmas presents last night & now we have ~$600 in bills left to pay this month and under $500 to do it. What exactly are the thought processes behind someone seeing the sentence "spend the mortgage money on _______" and filling in anything except "the mortgage"?
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Dec 22, 2013 04:09
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oldskool posted:For content, my wife spent the mortgage money on Christmas presents last night & now we have ~$600 in bills left to pay this month and under $500 to do it. Is this some kind of Zaurg alt account?
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Dec 22, 2013 04:59
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Weatherman posted:What exactly are the thought processes behind someone seeing the sentence "spend the mortgage money on _______" and filling in anything except "the mortgage"? Because it's more like "spend the
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Dec 22, 2013 05:32
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Weatherman posted:What exactly are the thought processes behind someone seeing the sentence "spend the mortgage money on _______" and filling in anything except "the mortgage"? Don't be so humbug!
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Dec 22, 2013 06:37
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Depending on how much free time you have, you could easily make 100 bucks in the next month. If you and your wife donate plasma.
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Dec 22, 2013 14:03
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kitten smoothie posted:The person's post mentioned they had an abusive family member who violated a restraining order, and they got a name change with the court order having been sealed so the abusive family member couldn't find the new name. That still shouldn't matter. I don't think the school can give out records without your permission. Everytime I wanted a transcript, the school made me fill out a request in writing and sign it. So it's not like the employer could even ASK the university if the degree exists. Any employers I've had that want to verify my degree ask me to provide a transcript. If it gets that far, she'll have an opportunity to explain herself and work out what means of proof that the employer would be willing to accept while protecting her identity. That said, if they want proof then they ask you to bring your academic record to the interview or put it in the application. TLG James posted:Depending on how much free time you have, you could easily make 100 bucks in the next month. If you and your wife donate plasma. I vote this. Doing something that stupid should physically hurt.
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Dec 23, 2013 18:03
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Reddit keeps on delivering.quote:So I think I may be in a pickle here Reddit. The worst part is that I can't see much for them to cut. Yeah, they could easily snip out the gym membership and "bank fees", but freeing up $50 won't correct what's fundamentally an income problem. I suppose there's the car, if being carless is feasible wherever they live.
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Dec 24, 2013 08:20
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Haha christ. Most likely he's going to eat poo poo for the 7 years that he can't discharge the student loans through bankruptcy, which he deserves for being a total moron. Then the banks will lose their money for lending to a total moron. Life goes on. I think there are provisions for debt relief if you encounter undue hardships, but they audit you to check for good faith behavior and "using student loans to go on vacations and buy stupid poo poo" does not fall under this hahahahaha. The real losers? His parents. Poor folks.
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Dec 24, 2013 10:35
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Canada, though. No idea how student loans work up in the hat.
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Dec 24, 2013 13:53
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Zo posted:The real losers? His parents. Poor folks. Likely his 40k of bank-funded school debt is co-signed by his parents too.
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Dec 24, 2013 14:00
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silvergoose posted:Canada, though. No idea how student loans work up in the hat. I'm a canuck so I was actually talking about Canadian bankruptcy/student loan interactions! I'm not sure if student loans are ever dis-chargeable through bankruptcy in the states.
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Dec 24, 2013 14:07
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Zo posted:I'm a canuck so I was actually talking about Canadian bankruptcy/student loan interactions! I'm not sure if student loans are ever dis-chargeable through bankruptcy in the states. Aha! Neat! Learn something new. (not even a small rise out of my post? I'm losing my touch.)
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Dec 24, 2013 14:13
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Haifisch posted:Reddit keeps on delivering. $40 for bank fees???!!! WTF? All of the banks in Canada have an "unlimited transaction" option for around $20. Also he needs to drop the gym membership. Learn to run in the snow like a real Canadian, son.
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Dec 24, 2013 16:02
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Isn't it really hard to rack up that many student loans other than being a complete moron?
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Dec 24, 2013 16:13
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Harry posted:Isn't it really hard to rack up that many student loans other than being a complete moron? Grad school, maybe? My ex had something like 20k from a 3 year CEGEp program, they pile up pretty quick.
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Dec 24, 2013 16:20
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Doctors and lawyers will acrue more than that regularly. There are plenty of schools in the US that cost around 50k/year, no idea how much one can get in loans but the sky's the limit as far as school costs go.
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Dec 24, 2013 16:28
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silvergoose posted:(not even a small rise out of my post? I'm losing my touch.) Rather be a hat with a functional health care system  (No hard feelings) Harry posted:Isn't it really hard to rack up that many student loans other than being a complete moron? In Ontario at least the government's direct loan is strictly limited on a need basis. But once you go to a bank, maybe with a cosigner, then all bets are off. Unless you mean him actually spending that much, then yeah, complete moron. Also the post said it's just a bachelor's degree. No grad school/law school/med school here. Just a moron.
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Dec 24, 2013 16:30
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Harry posted:Isn't it really hard to rack up that many student loans other than being a complete moron? Not really. Even going to a decent state school (in the US) is going to run you $15-25k a year (tuition, room and board, books, etc). Many degrees are longer than 4 years now. Have your parents make enough money so you don't get grants and get small scholarships and there you go. Michigan is $27k Michigan state $22k Western michigan $23k Colorado $28k Colorado state $21k Ohio state $21k Florida $20k Even if you get a $5k scholarship, if your parents can't/won't help you out it will be $15k a year so you are looking at $60k in loans unless you can work and make a ton of money but that is doubtful while going to school full time. You might be able to get 10k during the summer working super hard. Which could put you at $20k in loans. Most people would use that money for Florida spring break, an x-box, drinking, drugs, whatever else. If you put half of what you earn into school you still are left at $40k. The schools make claims you can save a bunch by living at home but then you might as well save more and go to community college for 2 years.
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Dec 24, 2013 16:32
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Zo posted:Rather be a hat with a functional health care system None taken. 
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Dec 24, 2013 16:34
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FrozenVent posted:Grad school, maybe? Isn't CEGEp just like, fancy high school in Quebec? 
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Dec 24, 2013 16:36
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tuyop posted:Isn't CEGEp just like, fancy high school in Quebec? Sort of, it's 12th grade and the 1st year of university if you're doing a general program, or equivalent to a college program if you do a 3 year technical diploma - she got the later. Her parents were in that income bracket where they made enough that the government figured they should assist her financially, while not being able to afford to send their kid to essentially free school the next town over (They weren't great with money but their main problem was that they had a family income of something like 35K) Three years of living expenses aadding up to 20k isn't that bad. It's what I got from my parents (Combined family income was about 4x that of the ex's parents so they just gave me money  ) for a four year program.Guess she could have worked during the school year, but that wasn't very common in that town (It's about a 1:1 student to actual inhabitant ratio so service jobs filled up quick) Edit: Although in the end the diploma she got was pretty worthless so yeah.
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Dec 24, 2013 16:55
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Zo posted:I'm a canuck so I was actually talking about Canadian bankruptcy/student loan interactions! I'm not sure if student loans are ever dis-chargeable through bankruptcy in the states.
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Dec 24, 2013 17:52
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martyrdumb posted:Pretty much your only hope of loan forgiveness in the US is to get a 100% disability rating and prove that making payments out of your disability checks would be an undue hardship. If he was in America, depending on where he had gotten his loans through, he could qualify for Income-Based Repayment. But the gentleman in question seems to have bad enough luck/judgment that they would be private loans that don't qualify, which are also at usurious interest rates.
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Dec 24, 2013 19:13
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spwrozek posted:Not really. Even going to a decent state school (in the US) is going to run you $15-25k a year (tuition, room and board, books, etc). Many degrees are longer than 4 years now. Have your parents make enough money so you don't get grants and get small scholarships and there you go. I know how it is in the US, I was just under the impression that it was a lot harder to pull off in Canada.
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Dec 24, 2013 19:35
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Harry posted:I know how it is in the US, I was just under the impression that it was a lot harder to pull off in Canada. There's no shortage of rope up here with which to hang yourself if you're so inclined. My private loans alone would have ended up being 38k, not to mention credit cards and a possible line of credit that I could have gotten. And possible public loans if I had qualified at some point.
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Dec 24, 2013 20:42
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Devor posted:If he was in America, depending on where he had gotten his loans through, he could qualify for Income-Based Repayment. But the gentleman in question seems to have bad enough luck/judgment that they would be private loans that don't qualify, which are also at usurious interest rates.
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Dec 24, 2013 20:47
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And you'll get a huge tax bill if you don't pay it off after those 25 years when it's forgiven, right?
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Dec 24, 2013 22:12
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That'll still knock the amount due to less than 1/3rd of what it was before. And back taxes are dischargeable through bankruptcy.
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Dec 24, 2013 22:19
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Before I left sub-prime finance, we seemed to have a run up of absolute losers. I'm talking bad even for a company where a significant portion of our customers were financing through us because their last vehicle had been repossessed. Like, the week before. A couple that really stick out: A Seminole tribe member who received $11,000 per month for life free and clear who could not open a bank account (so that we could see the funds being deposited). Every vehicle he had ever financed had been repossessed. Every credit line he had ever opened had defaulted. And apparently he was financing a vehicle to build up the cosigner's credit. He cashed all of his checks at one of those low-rent payday loan and check cashing places. $11,000 in cash landed in this guy's lap every month like clockwork and somehow that simply wasn't enough. Then there was the guy who had four bankruptcies in ten years. One day, an underwriter looked up and said, "Holy poo poo. This guy has had four bankruptcies in ten years." Then we all laughed, and then we all walked over to look at the credit report because, holy poo poo how does that happen? Then we all kind of hung our heads and realized this fucker was probably going to get through.
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Dec 25, 2013 04:11
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RommelMcDonald posted:
How does that happen? Thought there was a limit of once every 7 years. And Seminole guy's money was untaxed or after taxes? Wish someone would offer me $132,000/year just for being a Pollack (yes I know what Native Americans have went through).
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Dec 25, 2013 04:43
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Dirk Diggler posted:And Seminole guy's money was untaxed or after taxes? Wish someone would offer me $132,000/year just for being a Pollack (yes I know what Native Americans have went through). It's not for being Seminole - it's for belonging to a band that owns a casino.
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Dec 25, 2013 09:12
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Harry posted:I know how it is in the US, I was just under the impression that it was a lot harder to pull off in Canada. Yeah, my husband and I ended up with 60k in debt after all of our student loans were combined. The difference being we: a) were paying them solo b) went to a fancy expensive school and c) went to school beyond undergrad. My husband had a cosigner on his private loans, and had we not paid them off they would have gone after his parents. How do you just pee on a huge pile of money? Can you consolidate loans in Canada? That made our debt manageable and payable--would that be an option for this kid?
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Dec 25, 2013 13:43
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