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How about talking to the dad first, getting all of the facts, and then deciding if it warrants getting the police/lawyers involved? The line of credit was just opened, and isn't in default as far as we know. If the dad has other means to pay for the roof then he can pay off the credit line in full and it can be closed. It sounds like OP has talked to his dad and that was one of the options (even if it required raiding his retirement savings for "emergency"). Everyone here is so quick to throw the guy under the bus without knowing the whole story.
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May 6, 2015 17:19
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Maybe this belongs in the Schadenfreude thread, but my wife works in marketing for a very large company that had a very large breach of customer data. As she is a customer of the company she works for, she just found out someone stole her identity and opened a Capital One card. Give credit to Capital One, they contacted her about the card before the thief had the opportunity to use it.Celador posted:How about talking to the dad first, getting all of the facts, and then deciding if it warrants getting the police/lawyers involved? The line of credit was just opened, and isn't in default as far as we know. If the dad has other means to pay for the roof then he can pay off the credit line in full and it can be closed. It sounds like OP has talked to his dad and that was one of the options (even if it required raiding his retirement savings for "emergency"). Everyone here is so quick to throw the guy under the bus without knowing the whole story. The OP has talked with his/her dad and dad seems to not know everything or is holding back info. At this point we know the debt isn't the OP's and as such they have to follow certain procedures. Plus following the Bad With Money thread means we've all seen parents gently caress over their kids' credit. So maybe we're jumping to conclusions, but it's not like this doesn't happen all the time.
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May 6, 2015 17:30
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Thanks to everyone for the support. To reiterate, I'm talking with a lawyer at noon. As per someone else's advice, I should probably stop discussing the matter on a public forum until everything is settled. When the lawyer gives me the go ahead I'll post an update.
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May 6, 2015 18:02
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My silly sister just paid $4000 to have the transmission rebuilt on her 05 Altima. The car has 210k miles on it, and now it's worth maybe $4500 with a full tank of gas. The shop financed her with 70 days no interest, after which it jumps to 29% retroactively. She is considering a second job delivering pizza again with her raggedy car. Bonus detail: she just posted a photo on her Instagram of "an ounce of shatter." I have no idea what drug prices are, but I'm guessing it was $500 or so. Between that and her rapid acquisition of cheap tattoos and piercings, she is puzzled as to why she can't land a career job. 
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May 6, 2015 18:48
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Krispy Kareem posted:Indeed, but I don't think many parents memorize their kid's SSN. My mom has known mine for as long as I can remember canyoneer posted:Bonus detail: she just posted a photo on her Instagram of "an ounce of shatter." I have no idea what drug prices are, but I'm guessing it was $500 or so. Maybe the tattoos and piercings aren't a big deal, but I can't imagine posting pictures of large quantities of illegal drugs (and hash oil is still illegal everywhere afaik, and an ounce is a loving lot) to public internet sites is good with anything, let alone finding a job. Dessert Rose fucked around with this message at 19:01 on May 6, 2015 |
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May 6, 2015 18:58
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Dessert Rose posted:Maybe the tattoos and piercings aren't a big deal, but I can't imagine posting pictures of large quantities of illegal drugs (and hash oil is still illegal everywhere afaik, and an ounce is a loving lot) to public internet sites is good with anything, let alone finding a job. Only in the sense that all active marijuana products are illegal federally. Colorado legalized it along with everything else. Also, even if she's in Colorado she probably paid double to triple that $500 guess (a loving lot is an understatement.)
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May 6, 2015 19:31
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Oh okay. I'm in WA and my understanding is that we legalized the flower but not concentrates. I didn't want to get into price comparisons since that's a regional thing but yeah, 500 is really low for that much. An ounce of oil would probably last me over a year.
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May 6, 2015 19:34
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Y'all saying it was a line of credit and dad just got confused, roofers made honest mistake, some data entry monkey flipped info on a form, etc: You don't get added to a line of credit as a reference. OP is showing up as a cosigner. Anyone legit asking for references to extend a line of credit/ credit card/whatever we're calling it does not ask for signatures and ssns of "references". They ask for CONTACT information. OP was added intentionally. Only question is whether that was by roofing scam artists or dad (hint: probably BonerGhost fucked around with this message at 19:42 on May 6, 2015 |
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May 6, 2015 19:34
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Dessert Rose posted:Oh okay. I'm in WA and my understanding is that we legalized the flower but not concentrates. Concentrates are totally legal in WA mang.
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May 6, 2015 19:39
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Dessert Rose posted:Oh okay. I'm in WA and my understanding is that we legalized the flower but not concentrates. not a gateway drug, nuh-uh
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May 7, 2015 22:03
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There's a subreddit called "Legal Advice", and a sister subreddit called "best of legal advice". http://www.reddit.com/r/bestoflegaladvice It is hilarious. "http://www.reddit.com/r/legaladvice/comments/34whkj/tried_to_buy_sex_got_scammed_do_i_have_any_legal/ posted:Tried to buy sex. Got scammed. Do I have any legal recourse?  Why won't the law protect my rights as a consumer of an illegal service?"http://www.reddit.com/r/legaladvice/comments/346xkv/my_grandpa_gave_away_4_million_dollars_to/ posted:My Grandpa gave away 4 million dollars to scammers. Can we sue Western Union? (self.legaladvice) "https://np.reddit.com/r/legaladvice/comments/34c0rw/texas_do_i_have_to_pay_my_university_parking/ posted:[Texas] Do I have to pay my university parking tickets? (self.legaladvice) And bonus horsechat (horse MURDER chat!) OP deleted the OP, but I found an archive. "http://www.reddit.com/r/legaladvice/comments/34spgc/onneighbours_horse_injured_on_my_property_theyre/ posted:[Ontario] I basically live in a typical suburb except the house at the end has a lot of land going far back and they own a horse. So these people are very rich and they like to walk their horse around the suburb. They have no respect for people's property and basically let their horse walk anywhere, on people's lawns, boulevards, driveways etc. The horse also takes horse-sized shits when they walk it and they never clean it up. Since my house is very close to theirs, they always walk their horse by, and the horse frequently takes massive shits on my lawn. My lawn seems to be one of the preferred places for this horse to poo poo. Whenever it starts making GBS threads they just wait around until it finishes and then walk away without cleaning it up. I have put up no trespassing signs and it didn't help. I have confronted them about this several time and they have been very snooty and joked one time that "it makes great fertilizer, you should be grateful for the free gift". I did not find this amusing and it pissed me off a lot. 
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May 9, 2015 01:40
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lmao that last story
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May 9, 2015 01:55
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Christ just put the horse poo poo in a bag and light it on fire on their porch or something, at least then you won't wind up getting the horse put down. Also the whole post reads like when druggies use "SWIM" to talk about buying drugs online as if it's some kind of magical legal term that means the statement is totally useless in court. NO OFFICER, THEY'RE FOR GARDENING PURPOSES 
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May 9, 2015 02:06
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Parallel Paraplegic posted:Christ just put the horse poo poo in a bag and light it on fire on their porch or something, at least then you won't wind up getting the horse put down. I find it hilarious that people take this kind of thing out on the animal, like it has any idea about property lines.
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May 9, 2015 03:41
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MickeyFinn posted:I find it hilarious that people take this kind of thing out on the animal, like it has any idea about property lines. I have no problem with that. If you're not cleaning up after your pet, and laugh at someone who requested you to do so, and ignore their no trespassing signs then you deserve to have your dumb animal break its leg when you take it where it wasn't allowed to be.
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May 9, 2015 03:48
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Nocheez posted:I have no problem with that. If you're not cleaning up after your pet, and laugh at someone who requested you to do so, and ignore their no trespassing signs then you deserve to have your dumb animal break its leg when you take it where it wasn't allowed to be. Also did the horse actually step in one of the holes and break his leg or just notice that something looked different and the leg snapped out of fear?
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May 9, 2015 03:56
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The Nards Pan posted:Also did the horse actually step in one of the holes and break his leg or just notice that something looked different and the leg snapped out of fear? literally lolled at this
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May 9, 2015 05:00
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canyoneer posted:There's a subreddit called "Legal Advice", and a sister subreddit called "best of legal advice". lmao each one of these is better than the last
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May 9, 2015 05:12
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Horse murder story made my day.
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May 9, 2015 06:34
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Who the gently caress walks their horse like it's a dog?
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May 9, 2015 12:25
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Devian666 posted:Who the gently caress walks their horse like it's a dog? If you don't walk your horse regularly it will hoof up all your carpets and furniture while you're at work, then probably die when the air conditioner switches on or something
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May 9, 2015 13:10
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Devian666 posted:Who the gently caress walks their horse like it's a dog? It's the best way to look down on the common folk who do not have such equuity
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May 9, 2015 15:32
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I was out for a walk the other day along the waterfront, where the narrow waterway is between two lakes so there is a lot of boat traffic, and some guy was on his boat's megaphone telling people on shore that "you should really reconsider you life and get a boat". All I could think about was boat equity. Boats are fun and all and I like going out on the water as much as the next guy, but if it flies, floats, or fucks you're better off renting.
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May 9, 2015 15:39
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Guinness posted:I was out for a walk the other day along the waterfront, where the narrow waterway is between two lakes so there is a lot of boat traffic, and some guy was on his boat's megaphone telling people on shore that "you should really reconsider you life and get a boat". All I could think about was boat equity. If that guy has both a boat AND a megaphone, he's living the dream.
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May 9, 2015 16:02
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Was he trying to sell his boat?
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May 9, 2015 16:14
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ohgodwhat posted:Was he trying to sell his boat? I think that's most likely. Trying to drum up a market is a sign of desperation to sell. Either that or is sense of self-worth is so wrapped up in the boat that he'll be broken when it's underwater.
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May 9, 2015 21:34
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Speaking as someone who owns a boat, it being underwater is the best possible outcome. Because it's insured 
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May 9, 2015 22:39
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Have some bite sized reddit posts. "This startup basically wants to delay paying me for a year. Is this a good idea?" http://www.reddit.com/r/personalfinance/comments/35exm6/independent_contractor_boss_offering_me_stock_in/ posted:I have a day job but in some of the off hours I've been working as an independent contractor to help get a startup company off the ground. They've been paying me $40 an hour, and I've been helping them for about a year. They recently called me and offered me stock in the company. Instead of making an hourly rate, my hourly rate would go towards me owning 5% of the company's stock after putting in an additional 750 hours. "I moved in December and am officially off the lease, but my roommates didn't find someone to replace me and apparently didn't pay my portion of the rent. Now they're getting evicted. What do I do???" http://www.reddit.com/r/personalfinance/comments/35792k/i_cant_pay_my_old_rent/ posted:I graduated college in December and moved to Illinois for a new job. My roommates back home said they would find a replacement roommate to take on the lease but they never did. Now my old landlord needs $1500 by Friday or everyone gets evicted. I don't have that money. Someone please tell me what to do. I've already extended this out for as long as I can.
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May 10, 2015 02:43
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Haifisch posted:
Just to make sure I am reading this right, this guy moved out and is not on the lease any longer. But he either thinks he still owes rent or was told he was from after he moved and his roommates couldn't find someone to take his spot?  Why the hell is it any concern to him that his old roommates screwed up. If he isn't on the lease anymore it doesn't affect him and if he moved across country doubly so. There as to be more to this story or this guy is immensely naive
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May 10, 2015 03:08
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UCS Hellmaker posted:Why the hell is it any concern to him that his old roommates screwed up. If he isn't on the lease anymore it doesn't affect him and if he moved across country doubly so. There as to be more to this story or this guy is immensely naive It's reddit. What do you expect?
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May 10, 2015 03:11
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FrozenVent posted:Speaking as someone who owns a boat, it being underwater is the best possible outcome. I remember a news story from many years ago where a Seattle dude filed an insurance claim for his sunk boat. The insurance company got suspicious (it was a brand new boat or something), so they sent some divers to the bottom of the river to investigate. The divers located the wreckage, found several large holes on the hull, and determined they were created deliberately with an axe. The guy went to jail for insurance fraud.  I'm sure this kind of thing happens fairly often, but this one got stuck in my mind because I remember thinking, jeeze, if you're gonna commit fraud, at least make it look like an accident... Slow News Day fucked around with this message at 03:24 on May 10, 2015 |
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May 10, 2015 03:22
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enraged_camel posted:I remember a news story from many years ago where a Seattle dude filed an insurance claim for his sunk boat. The insurance company got suspicious (it was a brand new boat or something), so they sent some divers to the bottom of the river to investigate. The divers located the wreckage, found several large holes on the hull, and determined they were created deliberately with an axe. The guy went to jail for insurance fraud. Kinda relevant, this came up on a podcast I was listening to recently: in old-timey admiralty law, barratry (a ship's master or crew intentionally wrecking or causing damage to the ship or cargo) actually used to be a capital offence, although if the owner of the vessel did it himself, as in this case, it wouldn't apply.
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May 10, 2015 03:48
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 The heading was cropped since my name is on it and I'm on my phone, but it reads "Get a fast, friendly, affordable loan." Then it lists uses: Consolidate bills, buy a car, take a vacation (lol), enjoy a financial cushion. Oh yea that's a great idea with a 36% Apr loan.
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May 10, 2015 06:28
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UCS Hellmaker posted:Just to make sure I am reading this right, this guy moved out and is not on the lease any longer. But he either thinks he still owes rent or was told he was from after he moved and his roommates couldn't find someone to take his spot? Another possibility could be something like happened to me, though. I rented an apartment with my sister and her at-the-time boyfriend right after I got out of college. All of our names were on the lease and we split rent/utilities three ways. Two years later, the lease was up and I decided not to renew; I was making a bit more money and I wanted to move closer to work. So me and my sister's boyfriend went into the office (my sister was in the army and deployed to Iraq at the time, but she still sent him her thirds of the rent/utilities). We renewed the lease under his name only (since I was leaving the apartment and my sister wasn't there to sign), and I moved out. Five months later, I got a collections notice for back rent and damage to the apartment. Apparently once I moved out and wasn't there to remind him to pay rent, he just stopped paying it. He then abandoned the apartment three months after I'd moved out, when my sister broke up with him (via Skype!) because she basically realized she didn't want to babysit his finances for the rest of her life. So anyway, I had a collections notice for a lease that I wasn't on. The next morning when the apartment's office opened, I went there immediately and tried to find out what happened. Apparently they had correctly removed me from the lease in their electronic system; however, to save effort, they'd just modified the existing lease file instead of creating the new one, so the filename itself still had my name in it. They sent that file to the collections agency but hosed up by giving them my name as well since it was still in the filename. Fortunately, they realized their mistake and were willing to call the collections agency to make a correction, but that was a fun three weeks of honestly telling the collections agency "no, that debt really isn't mine" and providing something like 30 pages of documentation that I wasn't living at the apartment in question and my name really wasn't on the lease. They did finally rescind the collections notice, and it didn't end up staying on my credit report. P.D.B. Fishsticks fucked around with this message at 19:39 on May 10, 2015 |
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May 10, 2015 14:04
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Haifisch posted:Have some bite sized reddit posts. What I love about this is its all the risk of never getting paid and none of the reward of stock going up. If they bought for billions of dollars, they would almost certainly buy back the stock at original price from him.
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May 10, 2015 15:02
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Pompous Rhombus posted:Kinda relevant, this came up on a podcast I was listening to recently: in old-timey admiralty law, barratry (a ship's master or crew intentionally wrecking or causing damage to the ship or cargo) actually used to be a capital offence, although if the owner of the vessel did it himself, as in this case, it wouldn't apply. Barratry is actually a mutiny of the officers or master against the orders of the ship's owner. There's no hard and fast rule against intentionally damaging the ship because in some situations, it's what you need to do - especially intentionally beaching to prevent foundering, or jettisoning cargo. poo poo a ship's master is, in theory, allowed to take out a mortgage against the ship (in a very narrow set of circumstances) Intentionally wrecking a ship for no good reason usually falls under criminal law of the coastal state these days, under environmental law.
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May 10, 2015 15:34
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dietcokefiend posted:What I love about this is its all the risk of never getting paid and none of the reward of stock going up. If they bought for billions of dollars, they would almost certainly buy back the stock at original price from him.
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May 10, 2015 18:54
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Dik Hz posted:It's a pretty big warning sign that they'd even suggest it. If someone ever tried to pull that on me, I tell them to gently caress off and that my hourly rate just doubled. It's an insult to the consultant's intelligence. Only a moron would take that deal, and clearly the person offering it thinks the consultant is a moron. The buyback clause shows that the company is not accidentally foolish in offering such poor terms-- the company is clearly operating in bad faith.
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May 10, 2015 20:39
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93k/yr and I can't pay the bills. A realtor tricked my mom into buying a house $50k more than it's worth.
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May 11, 2015 01:16
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 Dog insurance, $63k owed on two cars (including unemployed girlfriend's car), $50/month on a storage unit 
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May 11, 2015 01:27
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