Fil5000 posted:

Do the students have to sign on these as well? I assume that their credit gets hosed if neither they nor the parents pay, right?


I used to like this when I worked at a bank. "You've ruined my credit score!" No dude, you missed four payments on your mortgage, YOU ruined your credit score.

Also the people who view their credit score as something independent of their actions. If you're poo poo at paying back money, people won't lend you money, this isn't complicated.

Moneyball posted:

potee posted:

I just had a memory of some terrible hoarder goon thread where it eventually came out he bought a $2k warcraft rig while his children were literally falling through the holes in the floor of his rotting trailer.

cowofwar posted:

What is the crypto and the_donald overlap?

BoA lawyers declined my settlement offer. Not sure how to proceed. posted:

Hi guys,

So Circa 2008 I was minding my own business at the the bank, making a deposit, when BoA offered me a credit card with a $2500 limit. I accepted and racked up charges on it and was making payments on it and then I lost my job and went back to school. Pretty much ignored the CC debt until they took me to court in 2011. Judge gave them a ruling of ~$3600 and I agreed to pay them in $150 installments. I made 5 payments and then stopped since my cost of living went up and couldn't afford what i agreed to pay.

Fast Forward 4 years and we're back in court but not in front of a judge but with a intermediary. They're claiming with the interest added over the 4 years I now owe ~$5600. I think that number is loving insane and I refuse to pay. I offer $3000 to settle and lawyer says he can present that to his client(Cavalry LLC/BoA). That was in October or November.

Fast Forward to today and I call the lawyers because I have the money ready. They say they have to present the offer to BoA and then they'll call me back. They call me back and say BoA refused the offer and counter offered $3760 or if I can provide my W2, paystubs, Checking account invoice they could accept the $3k. Am I wrong for thinking that my offer was more than fair and feeling sketchy about them asking for my financials?

Any Advice on how I should proceed?

TLDR; offering to pay $3750($750 in 2011 and $3000 today) on a CC with $2500 limit but BoA wants $4500 to day

P.S. please don't berate me like the last time I asked for advice over my financial decisions. I know I hosed up and now I'm trying to right a wrong.

Edit: I took /u/ronin722 advice and called back to get more info about the info they wanted from my financials and it seems a bank statement saying I'm NOT super rich is all they need. Sending them that info tomorrow and we'll see how that goes.

potee posted:

I just had a memory of some terrible hoarder goon thread where it eventually came out he bought a $2k warcraft rig while his children were literally falling through the holes in the floor of his rotting trailer.

cowofwar posted:

What is the crypto and the_donald overlap?

George H.W. oval office posted:

Dude who got his kids taken away cleaned up his act I believe and got them back. It’s an ending to a story.

Good Parmesan posted:

Same guy

https://www.reddit.com/r/personalfinance/comments/3yka0v/boa_lawyers_declined_my_settlement_offer_not_sure/

Harry posted:

Other news, this really makes you think

quote:

Losing money isn't the end of the world, it's just money, there are more important things in the world. As long as you have your health, that is the single most important thing.

therobit posted:

I always see the original thread posted but never the follow up. Is it lost in time? I assume the poster re-reged but don't know what the new username is.

totalnewbie posted:

I've always wanted to see the before pictures

Hotel Kpro posted:

I vaguely remember it, it was a comic drawn by someone in a GBS draw random poo poo about the forums thread way long ago. The first comic was the daughter leaving the trash house, then the dude posts how he got his poo poo together and got his kid back. The follow up comic was a wholesome depiction of the reunion.

No idea what happened to that thread

Just kidding I found it here it is. The comic gets posted on page 16 then someone links to the follow up thread

therobit posted:

Gonna have to get that archives upgrade...

computer angel posted:

Seems like you've never seen Drag me to Hell

`Nemesis posted:

re: crypto

Ashcans posted:

So what you're telling me is now is the time to buy?

Drunk Tomato posted:

BUY THE DIP

therobit posted:

This, but I mean bean dip.

Solice Kirsk posted:

French onion or take that trash to the dump.

quote:

Fundraiser saves pony who lost penis to cancer, frostbite

BRIDGTON, Maine (AP) — A Maine animal rescue group says it has raised enough money to save a 15-year-old pony that lost part of its penis due to cancer and frostbite.

Bridgton-based Animal Rescue Unit took over care of the pony that was suffering from cancer and an infection. Brogan Horton said temperatures plummeting to 25 below exacerbated the problem, causing part of the animal’s flesh to break off during an examination.

The animal, named Richard, will be spared from being euthanized thanks to a fundraising campaign that surpassed its goal of raising $4,000 for care, including reconstruction.

Horton said the goal is for the pony to live the remainder of its life pain-free. She said the pony has more than half his life left.

quote:

Mid November I started talking about crypto with my family and friends and gave them a little "push" to start investing small amounts to experiment... I wanted them to make some money because I know they could really use it and I explained how volatile the market rn and the rewards and risk they would have to take and strongly advised them to never ever invest what they can't efford to loss

Some of them got really invested and saw some big gains and started to show off their percentage gains on social media (which is stupid but whatever).

Noone really thanked me for introducing them to crypto when they made some big gains, they all acted like they got into it because they were smart (before I introduced them to crypto they thought bitcoin was a physical golden coin and can't be bought in fraction), but again whatever I didn't do it for people to thank me I just wanted them to make some money because I know they needed some.

Fast forward to today morning and gently caress.MY.LIFE I opened my phone and I find a barrage of messages from them accusing me of scamming them and tricking them into crypto because they lost money, I tried to explain to them that this is normal and it will bounce back soon and it's just a correction and don't sell but they aren't listening most of them sold and "cut their loses" before the "bubble burst".

I am never going to talk about crypto with anyone in real life again, gently caress em I am not getting involved in this lovely situation ever again

BarbarianElephant posted:

Poor little Dick.

quote:

“Please help. I have invested over $500,000 into Bitconnect and currencies on the exchange with the help of a business loan. I planned to withdraw within a month or two. Now I can’t access the funds to seel and the market crashed. I cannot pay for the business, my family needs the funds. I need help. For the sake of all that is good in the name of assistance, I need financial advice. This is the worst day, and I feel like making $5,000,000 by gambling n the crypto market with another loan before it’s too late and the prices go up again.”

quote:

This is all a bad joke right? It says BCC is at 30$ on CoinMarketCap. People on Telegram are telling me that BCC is not even 8$ worth now? If this is real, Im ruined. Like really loving ruined. I have nothing left. I put everything I had into this, because I trusted them. Literally all of my familys savings are in BCC, because a friend told me the risk was worth it. Are you telling me I lost everything? 80,000$ gone like nothing? Im so angry right now. My wife doesnt know yet. She will come home soon. What am I going to loving tell her. How am I suppossed to care for my family now? I have literally nothing right now. My wife has two sons and I am unemployed. How am I suppossed to take care of them now??? I hope someone pays for this mess. If not with money then with a sentence.

quote:

My mom came into my room to bring me a plate of chicken nuggets and I literally screamed at her and hit the plate of chicken nuggets out of her hand. She started yelling and swearing at me and I slammed the door on her. I’m so distressed right now I don’t know what to do. I didn’t mean to do that to my mom but I’m literally in shock from the what happened today. I feel like I’m going to explode. This can’t be happening. I’m having a loving breakdown. I don’t want to believe the world is so corrupt. I want a future to believe in. I cannot loving deal with this right now. It wasn’t supposed to be like this. This is so hosed.

Motronic posted:

I wasn't aware of that (again, legit butcher shop with cows on site. Also both of us cook and had plans for every last bit of it), but if that's how most people see this/come into contact with it I suppose it fits the BWM narrative of OP and he probably bought it out of the back of a pickup truck.

Based on your av you probably know more about this thank I do.

Motronic posted:

I wasn't aware of that (again, legit butcher shop with cows on site. Also both of us cook and had plans for every last bit of it), but if that's how most people see this/come into contact with it I suppose it fits the BWM narrative of OP and he probably bought it out of the back of a pickup truck.

Based on your av you probably know more about this thank I do.

Lockback posted:

/r/bitconnect is closed. Here is a glimpse of what it looked like before they locked it

Elephanthead posted:

Why is every french onion dip at the store made from soybean oil. drat man give me some sour cream and cream cheese mix son for my pretzel dipping.