look at most of these people in debt...maybe not all, but most, go on vacations, have the latest i-phone, eat out every night, etc....all the while complaining they cant pay the bills. I know a man who owes the IRS $14,000 and constantly complains about it. Last week, he bought an $1100 laptop and a few months ago, got his wife a brand new fully loaded Chrysler 300, with a sticker price of about $34,000. Oh but I should feel sorry for him, right? I drive a 1998 Toyota Camry with over 170,000 miles and it serves the same function as that big fance car he got his wife. I do believe in God and God believes in personal responsibility. You're not entitled to a job, you have to earn it. You have to prove yourself worthy.
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Payback
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When banks rip off people, nobody has the balls to hold bank accountable for their actions. Even if they are punished, they get the easy way. But when people in debt fall ill or die, banks have the right to go after their relatives or friends? Corporate crooks, greedy thugs, drug dealers, and similar parasites must be rounded up and put in prison for life. That should serve as a lesson for future crooks.
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Payback
The crooks that make money by selling off people's personal info should get their own personal info sold. That should tell em how it feels to get ripped off by random and unknown parasites.
If you work at a bank then you know there is no MORAL or ethical responsibility for family members to cover a dead relative's debts. Even a new hire Teller who reads the obits knows that.
Actually, this is why I'm in debt. In 2009, I had around $529 saved in my bank account. At the time, I was doing perfectly fine, and that was extra money I was saving up to buy an Xbox 360. I went to Best Buy in February, and bought the 60 GB bundle ($399) plus a set of 3 games (about $20). After tax, it was somewhere below $450. I paid, and left.
About 2 months later, I got a letter from NCO Financial, saying that I was sent to collections, and owed the bank $1,000 (After interest and fess and stuff.) There's no way that could be right, I didn't over-spend. So, I went to the bank to get a statement, and my account was closed, so they couldn't give me one. I had to call corporate and threaten to get a lawyer to get a copy of my last statement before the account was closed.
About a week later, I got it, and compared it to my previous statement (Where I had the $529), and it says I'm in the hole. Yet, the only thing on there that took money out was the Xbox, and I should've had at least $100 left from that. Nope, not there, and no explanation as to why the money just disappeared. Of course, the bank didn't care, they told me to talk to collections. After some harassing phone calls, and 2 certified letters, they STILL call, for something that the bank screwed up.
It would've been pointless to hire a lawyer and sue, since the amount is so little, I would've payed more in attorney's fees than I would've gotten back, so I never pursued it further. Anyway, about a year later, they screwed my dad in an auto loan, he had about $2,000 left to pay, and we were falling on hard times, so he went to corporate and worked out a budget agreement for the last few months. The rep signed the agreement, and we were fine. 2 months later, they come to repo the car. Why? Well, according to them, WE had broken the agreement. But, he was paying on time, and over the amount the budget agreement was set for. They claimed the rep that signed it wasn't authorized to do so, and the agreement was void.
Of course, they sold it for $1,600 and want about $400 from him for repo fees and that.
1. “I would take a day or so to grieve and then it is time to take resposibility and start writing checks. Should the world shut down because your son just died?”
2. “No, I have a 765 beacon score because I take responsibility. I pay my bills on time, every time. Bills come first.”
3. “. . . but I am an honorable person. . .” “Why dont you deadbeats do the same?”
4. “I do believe in God and God believes in personal responsibility. You're not entitled to a job, you have to earn it. You have to prove yourself worthy.”
5. “I work at a bank thank you very much.”
I will not make too much of your employment with a bank and couple that with your insistence on “personal responsibility.” Too easy. I will let others go for the obvious remarks. You say you believe in God. Good, so do I. Am I to assume that this is the same God in Whom I have entrusted myself? If that’s the case, then allow me to give you another point of reference than the one you appear to be using:
“He hath shown thee, O man, what is good; and what doth the LORD require of thee, but to do justly, and to love mercy, and to walk humbly with thy God?” ~ Micah 6:8. (KJV)
Is there any sentence of yours in this thread that shows how you “do justly”? Go ahead, maybe you can twist one or two. But, just how do you “love mercy”? I’m sorry, but I do not see anything of the sort in any of your writings. Enlighten me.
My wife, and best friend of the past 35 years, passed away last year. (A second bout with cancer. Thank you for your concern.) Although I assisted, and for the first and last years nursed, her during the last nine years of her disability, the shock of her death is far greater than I expected. Yes, the world does “stop” for those of us in deep mourning. Add to this the abrupt ending of any income to one’s household and the situation becomes more difficult. Throw into the mix the fact that one can be left alone, and you have completed the trifecta. Apparently, you have not been in this situation. Only those truly ignorant of how this works can be as abysmally deficient in the empathy department as you are.
You may want to reexamine your “walk of faith” before passing judgement on all of us “deadbeats.” You have divined the mind of God, and His thoughts on personal responsibility. Good for you. But, in your rants against us “deadbeats,” are you in any way, “walking humbly” and if so, before whom?
I know less of His mind, but there is one thing about which I am fairly sure: Your Beacon score of 765 will be insufficient light for you when you pass from this mortal coil. I doubt that God will be impressed with an arbitrary number assigned to a man by another man. You take nothing from this world but your soul. No credit report, no savings, not even the book you were reading. My wife left hers, and yet, she had told me just days before her departure that it was a good one.
"Why don't you deadbeats do the same?" Wow, that could be considered libel. Maybe I should sue you for that and then you can pay up. Since you're so adamant about paying your debts, would you be willing to pay if you were ruled against in a sum of about 2 million dollars?
I am sorry to hear about your wife and I do have compassion but being compassionate does not free us from personal responsibility. My heart is very humble and I am thankful to God for all I have but remember the parable of the talents. Faith requires action. You are owed nothing. I know my beacon score wont save me. I never suggested otherwise. I pointed that out to show that even though I dont have a six figure income, I still pay my bills and I pay them on time. I dont look for loopholes to avoid my debts. I read these posts here "oh the debt collector was mean to me. I shouldnt have to pay". Well yea, they are right to be mean if you owe money and refuse to pay or they claim to be the victim of identity theft to get out paying. There are cases of debt collectors crossing the line but these people demonize the entire industry based on a few isolated incidents.
Why exactly is it their right to be mean? Don't they have any moral obligations that apply to them? Also, you are incorrect about "few isolated incidents". Harassment and threats are the norm.
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