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Religion
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Title: Credit card company calls Turtle "a fucking slut"
Source: [None]
URL Source: [None]
Published: May 2, 2009
Author: Turtle
Post Date: 2009-05-02 07:24:53 by Turtle
Keywords: None
Views: 703
Comments: 41

I have two credit cards. One, which shall remain nameless, decided several months ago to cut my limit by three thousand dollars, to within $200 of my limit. They also raised the interest rate to 25% and also raised by monthly payment. I let that one go.

My ex-girlfriend, who makes $120,000 a year, got the same treatment from the same company. She complained, and they told her, "too bad."

Then, recently, of course, banks got the bailout. One of them was the bank issuing my credit card, which also used the bailout money to give the executives boneses.

I stopped paying my bill and told them it had already been paid through my tax money, and through everyone else's, and also by their kids, and their grandkids, and they would never see a cent from me again.

Apparently I gave them my cell phone number (which I don't remember and I find hard to believe, because I give that number to no one, except maybe six people) but the credit card company has been calling me ten or twelve times a day. I Googled the number and found this has been happening to many people.

I never answer the number, so today, apparently out of frustration, I received a message on my phone (same number) that read, "You are a fucking slut and you fuck."

Now most definitely they will never get a cent, never, ever, never.

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Begin Trace Mode for Comment # 3.

#3. To: Turtle (#0)

good sites out there on how to fuck with these morons.

first, fax them notification that it will be considered harassment and they may only contact you in writing, there is some fair credit reporting act cite you can use on it.

then, when they do, dispute the debt. say you will not confirm or deny, but need to verify....then you ask em for three forms which they usually don't have, the original application and a couple others.

after that, they're screwed. they can't prove a contract exists without the signed document.

you should save that message and also report them to your atty general and the ftc.

seriously, i know people first hand who have beaten the piss out of these companies.

only correspond in writing, cuz they record conversations and if you slip up they will get you on tape saying you owe the debt. never ever admit anything, ask for original records to verify, and only in writing.

also, move all of your assets into trusts....don't fuck around with that. on paper, you don't want to own shit....its all in corporations wrapped in trusts....nevada corps so no one can tell who owns any of it.

you have nothing in the way of estate planning/asset protection if you aren't in trusts....don't even have a bank account with your name on it....put that in a trust.

now, see if anyone who wants to sue you can show that you own any assets to go after?

you don't own shit, so they leave you alone and go on to the next guy.

you can set up your own trusts with docs on legal zoom. you shouldn't have to pay a lawyer to do it if you are willing to learn a little and read.

not only that, but a single unfortunate accident can wipe out your estate if you don't have those asssets protected....say you hit someone in a car by mistake....they get a judgement for several million dollars, which is not unlikely in a serious accident requiring long term care, and your insurance only indemnifies you for say 100k......you are in serious jeopardy.

you can lose it all. stick everything in a trust. everything.

gengis gandhi  posted on  2009-05-02   9:16:49 ET  Reply   Untrace   Trace   Private Reply  


Replies to Comment # 3.

#11. To: gengis gandhi (#3)

then, when they do, dispute the debt. say you will not confirm or deny, but need to verify....then you ask em for three forms which they usually don't have, the original application and a couple others.

after that, they're screwed. they can't prove a contract exists without the signed document.

also, the calls and harrassment are coming from a third party debt collector and there is NO contract with them.

christine  posted on  2009-05-02 12:21:52 ET  Reply   Untrace   Trace   Private Reply  


#16. To: gengis gandhi (#3) (Edited)

then, when they do, dispute the debt. say you will not confirm or deny, but need to verify....then you ask em for three forms which they usually don't have, the original application and a couple others.

after that, they're screwed. they can't prove a contract exists without the signed document.

Every time you sign your name when using your credit card you have a new contract. But since they never had the money to loan you to start with then you could dispute it in court. You can't owe something to somebody if they never gave you anything.

RickyJ  posted on  2009-05-02 12:30:38 ET  Reply   Untrace   Trace   Private Reply  


#39. To: gengis gandhi, turtle (#3)

good sites out there on how to fuck with these morons.

first, fax them notification that it will be considered harassment and they may only contact you in writing, there is some fair credit reporting act cite you can use on it.

then, when they do, dispute the debt. say you will not confirm or deny, but need to verify....then you ask em for three forms which they usually don't have, the original application and a couple others.

after that, they're screwed. they can't prove a contract exists without the signed document.

you should save that message and also report them to your atty general and the ftc.

seriously, i know people first hand who have beaten the piss out of these companies.

GREAT post gengis. I like your style. I believe this below is what you were referring to. this DROP DEAD letter is from clark howard's site. he is a consumer advocate with a radio show. This will work to get any debt colector to stop calling. also, people could tell them, (not that they owe them a response in the first place, but..) that they don't deal with third parties.

http://clarkhoward.com/liveweb/shownotes/category/12/103/

http://clarkhoward.com/liveweb/shownotes/category/12/103/358/399/

Drop Dead Letter

(Date)

To Whom It May Concern:

I have been contacted by your company about a debt you allege I owe. I am instructing you not to contact me further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so.

Sincerely,

(Name)

(Account No.)

Artisan  posted on  2009-05-03 13:25:53 ET  Reply   Untrace   Trace   Private Reply  


End Trace Mode for Comment # 3.

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