Re: SunkissedBeach /Debt Collector
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Posted by MeToo,
(67.69.202.33) on January 03, 2004 at 21:25:20:
I have been reading and posting on this board for years, I would hardly say that I am a newcomer.
I settled debts for my new husband over two and a half years ago, all of his debts were past the SOL but it was a personal decision for my husband and I to pay them back. Our thoughts were we are still using the TV set which was purchased on credit and there are various other items in our household which were purchased on his credit cards. The rest of the items were purchased for his ex wife various cash advances etc…
During the time settling (six months of hard work and letter writing) I gained valuable knowledge, which has enabled me to know what I am talking about which include the FDCPA laws, collection and settlements. When I applied for my job I impressed my future employers with my knowledge and was immediately hired. When DH's debts fell off his credit report his score started rising dramatically. His debts were all almost seven years old when I started paying them back. In fact his scores were in the 650’s when I started. My husband has a very good job which enabled us to make the settlements and pay the debts. I settled on cc debts of 30,000 for around 8,000. I lived in The Bahamas for several years without having the RIGHT to work due to the labor laws. When we moved to Montreal, I was told that unless I spoke French I could not work in my field. I would not settle for that as I had already lived in The Bahamas for three years without working. I love to work, stay busy and receive a paycheck (who doesn’t) I hated the three years of not being able to work and did suffer greatly for this.
Our goal in the next four years of my husbands tour here is to save 150,000 to pay cash for a home when we leave here. I am working to pay for groceries, utilities and various other bills like car insurance and gas for those two cars which we own outright. We live very frugally, do not charge up our credit cards, we pay two bills on them that gets paid back every month. We don't lead a lavish lifestyle in any means. WE HAVE A DREAM AND GOAL AND ARE WORKING TOWARDS IT.
Most of my husbands paycheck goes to CD's and we are living off of my 25,000 per year (Canadian) salary.
Part of my husbands contract/perk here is that they pay for our housing. This gives us a lot of room for saving. I actually have four debtors that I have in my chain of accounts that are old on disability and can not ever re pay debts that either their grandchildren charged or their dead husbands charged or they simply can not pay. For these honest, sincere people they have my respect and empathy. I AM NOT for people that refuse to pay because they feel like a victim (even though they did charge the items )They (for reasons I will NEVER understand) have convinced themselves that they don't have to pay. They are using a law implemented for fairness to
their advantage by of hiding and waiting out the SOL. For these people I have NO sympathy.
These people and even my sixteen year old son saw it, are hiding behind a system that gives people a way out of not paying their bills, items that THEY bought in a store and took home. These people need to wake up and take responsibility for their purchases and cash advances. Stop trying to get out of their responsibility.
I understand that people run into hard times, lose jobs etc...but that doesn't alleviate the fact that they still owe the money. If I call a db and they establish to me a WILLINGNESS to pay, I do my very best to give them a great settlement, most often all of the fees are waved and they are paying the exact amount that they charged in the first place. If they refuse to pay I status code their file and refusal and move on. I couldn’t be bothered with someone that tells me “ I do not want to pay”. Let the lawyers and court system deal with them.
If you can possibly find fault in getting people to pay for items that they actually purchased and refuse to pay for in the end then you would agree that stealing is acceptable. It is morally WRONG TO STEAL. I can not for the life of me understand how someone could go to a store purchase something on a credit card and then feel that they don't owe anyone anything. I was brought up that stealing was wrong and I think most of you were to. SunKissedBeach a proud, fair debt collector.
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