- Centurion Member
- Posts: 4913
- Joined: Sun May 20, 2012 4:35 pm
- Location: WI
I do understand. I still care about mine, to some degree, just not quite as much as I once did. If it was something I could actually do something to keep good and accurate, I'd care a lot more. But the fact that the vultures basically have open field on us, just makes me kind of go meh, what the hell.
In fact, I've wondered why more of the vultures don't illegally re-age accounts and sue on debt well past the statute than the ones we read about who do this. Seriously, nothing will happen to them the vast majority of the time for doing this. Now and then they'll get stung for it, but the vast majority of the time this would be very profitable I would think so I honestly have no idea why they don't do it more often. It's not like morally it would bother them, nor fear of our joke of a legal system, so it must be something else.
For those who would find a story about them suing interesting, let me relate a past experience. As you may or may not know, I charged off a bunch of cards in 2002, with Chase taking the worst beating, and Amex taking a lesser beating (though they don't like ANY beating of course, hard to blame them for that). I am not attempting to morally justify what happened, that can't be done. I lost my job and blah blah blah who the hell cares they just want their money. Anyway, years went by, I got sued a couple of times, one was paid by borrowing money from relatives and paying it back over a year, and another was settled out of court for 50% (and later I got a 1099 for the other 50% so that cost me my tax refund). Oddly enough on the one I paid 50% for, it was on my reports twice and a different vulture agency was still trying to collect on the same debt even though 50% was paid and 50% legally "forgiven". Anyway, I had figured out by then how to lay low and hide from the vultures so they had no idea where I was. I lived in fear, I mean constant overwhelming fear, of being sued by these people, and with good reason. (You can argue it's deseved as well). I managed to stay out of their sites, for a while, but then I got the stupid idea that someday I'd like to get a mortgage so maybe I should get my credit cleaned up. since I was still within statute that was a DUMB idea. I got an HSBC low limit card offer in the mail, and took it and got the card, and guess what - they reported my address to the CRAs and the vultures were promptly sending me mail at that address trying to determine if it was me and get money out of me.
I knew at that point I'd screwed up. Now it starts to get comical. Wolfpoff and Abramson was the main vulture agency after me (google them sometime for some entertaining reading) and they would send me letters in the mail marked "OPEN IMMEDIATELY", I half expected to see "or we'll come and torture your family to death" until I realized even they couldn't go THAT far. To get the vultures off the trail, I left a note for the mailman in the box that I was the new tenant there using a fake name and that the previous person to whom the mail was addressed no longer lived there. The mailman apparently gave word to W&A, because they never contacted me there again even though I lived in fear to even mow the lawn there, and put up cardboard to cover the windows of the place.
But W&A aren't ones to let that go. You know what they did next? They ASSUMED I lived instead at a previous address I hadn't lived at in years - one I moved to after I lost my job because I had nowhere else to go at the time - my mother's place. They sent a process server there to try to serve me papers, but of course she told him I did not live there which was true. She simply didn't volunteer to tell him where I did live. So then she emails me a process server just tried to serve me legal papers.
I was freaking out big time. I literally lived in terror of these people. I went and sought the advice of a lawyer, I figured I better start to face it so it didn't get worse. His first inclination was to try to cut a deal with them, but then he thought about it and said well until they serve you, they haven't got a lawsuit, so come and see me then and we'll deal with this when it becomes an actual problem. His secretary assured me they WOULD find me.
But I laid low, and only made one mistake after that - I always used a PO box for mail so I could easily get rid of one and get another if need be. I used my current PO box address on a background check for a job I took (I had previously used a PO box that had been closed for years on others). So I got a letter there from Experian thanking me for updating my address with them. I closed that box the next day and opened one in another city and realized I was just a short step ahead of trouble on that.
That was the last time I had anything like that happen until about a year later when the statute ran. They never did find me. Checking my credit after that I saw they were pulling my report right up to when the statute ran. After that, nothing. W&A had to have paid hundreds of dollars to have filed the suit, which doesn't get refunded even if they don't serve you, and money to the process server, as well as who knows what to lawyers. Needless to say I'm sure they weren't happy but I realized even then how foolish it is to file a suit when you don't know where a person lives, it's like throwing darts and hoping to get lucky, only you're throwing hundreds of dollars around doing that.
When I first applied for a credit card, 2 years after the statute was up, it took a while to work up the courage as I still was living in constant fear, afraid these people were looking for me and about to find me and ready to sue. It took a while to not live in fear of revealing my address. To this day I still use a PO Box, but only for 1. security reasons as I have my resume on the internet and don't care to have everyone and their brother knowing my REAL address and 2. for convenience reasons as they can get packages there and hold them for me and sign for things. Also if I want to lose the junk mail I can get another box and be done with it. It's not about living in fear of lawsuits anymore.
But sometimes I wonder why they don't sue - wouldn't our government stick their tongues right up the buttcracks of the vultures and give them whatever they demand? They could say I owe 100k and how do I prove a negative, that I don't? I can't logically prove I DON'T owe them 100k you know as it's impossible to prove a negative, and since the legal system just takes whatever they say (if they said I was on the grassy knoll then the law would accept that as truth even though the law says I was born 2 years after it happened and thus it is impossible). I almost hate to say it but they SHOULD screw us up the rear and just do it, they have nothing to fear from our corrupt and evil legal system. I don't understand why they don't. I'm lost by that. Crime does pay if you do it right and smart. I can't understand why they don't go for our jugulars, why not just forge affidavits and say everyone owes them money? What would really happen to them for it? I bet they could win a lot of default judgements and get obscenely wealthy at no consequence to themselves for it. Pay off the judges and buy the politicians and the cops, lie and cheat your way to wealth it's what makes America great right?