Renewable Revolution

Quote from: MKing on February 15, 2015, 11:23:52 am

They NEVER get to show up at my doorstep and demand money from me for what I "owe" them, they cannot garnish my wages or file liens against me...and it is because I am not in their debt.

This seems to be the big difference between "debts" and regular expenses (the latter do not represent any claim on your assets). However, I think what JM is pointing out, is that many people end up owing debts on unpaid expenses such as rent or some other service, especially in this economic environment. These debts usually don't become too large, because the service provider will simply cut off service until the amount owed is repaid. If payment is not forthcoming, then they will close out the account and sell off the debt (in the case of landlords, they will simply evict you and use your security deposit towards unpaid rent).

This is where the debt collection agencies come in and start harassing the **** out of you for payment. If the debtor does not succumb to their initial attempts, they may start offering to accept partial payment as satisfaction. Throughout this whole process, they literally bank on the fact that most consumer debtors are unaware of any federal or state protections they have from these debt collectors (the Fair Debt Collection Practices Act is the federal model).

http://en.wikipedia.org/wiki/Fair_Debt_Collection_Practices_Act
The Fair Debt Collection Practices Act (FDCPA), Pub. L. 95-109; 91 Stat. 874, codified as 15 U.S.C. § 1692 –1692p, approved on September 20, 1977 (and as subsequently amended) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute's stated purposes are: to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information's accuracy.[1] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. It is sometimes used in conjunction with the Fair Credit Reporting Act.

Rarely do these collectors resort to filing a warrant in debt against the consumer, since they are usually proceeding against people who have very few assets, and the few assets they do have may be protected from lien attachments. Of course a lot of this depends on the specific jurisdiction. If an attorney gets involved, then they usually tread much more carefully. All communications must go through the consumer's attorney. If they don't have proof of the original debt owed (many times they don't), then eventually they will just drop it. No need to feel sorry for them though (in case anyone here actually was  ), because they still make a **** load of money with that business model.

BTW, if anyone reading this has problems with these creditors/collectors, or knows someone that does, and they live in VA, send me a PM! I may be able to help free of charge.

Thank you Ashvin, for giving a dose of logic about truth and justice to MKing. As usual, when MKing can't argue the point with his mindless (and evil) obsession with justifying conscience free predation, he ignores the factual data.

The MKing mantra spewed out OVER and OVER and OVER for the past year or more:

What it is about taking responsibility for ones actions that you abhor so much?

As Surly pointed out and JRM, WHD and JD have reinforced by their comments, the guy is a walking case of projection. He absolutely ABHORS taking responsibility for any and all DEBTS he incurs with the biosphere in general and his fellow man in particular. In order to push this BULLSHIT, he needs to define VERY NARROWLY what "incurring a debt" IS.

MKing's glial cells were infected through a massive colonization (corporate takeover  ) by fecal coliforms. However, I suppose it is better to have one's brain full of sh it than being bat sh it crazy (but he may very well be BOTH!)...



MKing, you are in DEBT WAY BEYOND your eyeballs because you and your kind were SUCKERED into believing you could offload costs onto the biosphere and fellow humans. You SIGNED the planetary pollution mortgage that YOU CANNOT PAY. You are an irresponsible POS! You are a welfare queen on steroids and you are a parasite of the first order.

You are bankrupt. In fact, ever since you made that DECISION about "what life is all about" (I.E. **** your buddy is that only thing that pays.  : ), you became the biggest sucker in the world. IOW, moral bankruptcy, in this planet, is the ultimate cause of the physical bankruptcy in our biosphere that we are now experiencing BECAUSE OF DELUSIONAL, IRRESPONSIBLE SUCKERS LIKE YOU.

I understand why you keep believing we are pond scum. Pond scum does not have to act responsibly.    


Have a nice day.