Welcome • User Guide
ToS • Privacy • Canary
Donate • Bugs • License

©2024 Poal.co

160

I think I made a post like this a while back, but heres an update, plus, a question? After the red pill I had a little freakout that lead to my car being repo'd (which is lame because I used to own the truck i traded in for a bigger better truck that transformed into a car later in a different state).

Things were looking down, debt collectors were hounding me for my vehicle debt though I no longer had a vehicle. I decided to do something rather irrational. After what felt like a lifetime of developing good credit and working hard and saving money, I had nothing to show for it. I said FUCK THE JEWS in my head and maxed out my credit cards. Now LOTS of debt collectors were after me.

Well, I didn't open another bank account for a long time, not until years later when I needed to pay insurance (SCAM ALERT), so no credit card line. I was worried if I opened an account the eye of siron would know where I was and they'd come get me. I asked the guy at the bank if they would come after me if i had outstanding debt. He said they dont give information to debt collectors and that if I had too much debt, they wouldnt let me get a credit card, just a debit. I let him check my background or whatever its called, and he told me I have no outstanding debts with anyone, not for my car, etc, etc.

So my question is, how much power do debt collectors really have? Are they gambling when they buy someone's portfolio off the original people holding the debt? I still have debt collectors calling me to encourage me pay back my debts. I generally dont answer but this morning they caught me unaware because I was looking for a job and answered a random number. I never open with my name just in case its a scammer trying to record my voice or a debt collector. I just politely hang up on them.

But I thought my debt didnt exist? The bank worker didnt see any debt in my portfolio. So how are these people finding me to discuss my portfolio, I'm a little confused, and I dont think at any point in the future I will be pursuing them to pay back my debts.

I think I made a post like this a while back, but heres an update, plus, a question? After the red pill I had a little freakout that lead to my car being repo'd (which is lame because I used to own the truck i traded in for a bigger better truck that transformed into a car later in a different state). Things were looking down, debt collectors were hounding me for my vehicle debt though I no longer had a vehicle. I decided to do something rather irrational. After what felt like a lifetime of developing good credit and working hard and saving money, I had nothing to show for it. I said FUCK THE JEWS in my head and maxed out my credit cards. Now LOTS of debt collectors were after me. Well, I didn't open another bank account for a long time, not until years later when I needed to pay insurance (SCAM ALERT), so no credit card line. I was worried if I opened an account the eye of siron would know where I was and they'd come get me. I asked the guy at the bank if they would come after me if i had outstanding debt. He said they dont give information to debt collectors and that if I had too much debt, they wouldnt let me get a credit card, just a debit. I let him check my background or whatever its called, and he told me I have no outstanding debts with anyone, not for my car, etc, etc. So my question is, how much power do debt collectors really have? Are they gambling when they buy someone's portfolio off the original people holding the debt? I still have debt collectors calling me to encourage me pay back my debts. I generally dont answer but this morning they caught me unaware because I was looking for a job and answered a random number. I never open with my name just in case its a scammer trying to record my voice or a debt collector. I just politely hang up on them. But I thought my debt didnt exist? The bank worker didnt see any debt in my portfolio. So how are these people finding me to discuss my portfolio, I'm a little confused, and I dont think at any point in the future I will be pursuing them to pay back my debts.

(post is archived)

You are currently inside a comment thread.
Click here to see all the comments (30).
[–] • 1 pt (edited )

Zombie debt can be around forever. If your file was sitting in some collectors cold file cabinet, it could have been sold and brought back into circulation.

The statute of limitations on debt generally only refers to their ability to take you to court and collect that debt. There's nothing stopping collector from selling your debt to another collector or calling you themselves to try and collect on it. Even potentially agreeing to review said debt can start clocks ticking again, so don't say anything.

Every state is different on how long the statute of limitations lasts, and what kind of debt is covered under what kind of limitations. For example, in Mississippi it's 3 years for written debt, in Hebehio it's 15 years - the longest of any state. Negative marks on a credit report are not connected to this, they generally last 7-10 years depending on how the debt was written off.

As @Hexploits said, filing bankruptcy may be your best bet. Make sure your kikey kikelberg lawyer makes you a bunch of cease-and-desist letters for any collector that comes calling after the case is settled.