Ah Big Mick, he is a true gentlemen

I dont know about Op but Id totaly beat up a woman if shes owed me money, but thats just me.

People dont like loaning to women just for the reason but most female drug addicts find sugar daddys to pay there way

+111111111

[x] Read it three times

Credit card companies are the scum. At least on the streets you know what you're getting yourself into. CC companies will change their terms, hike their rate and add more hidden fees overnight and you are trapped making payments for the rest of your life.

I got CC's as a student about 6 years ago. Total amount of debt: About $24,000. My payments have always been on time for a long time.

Total amount owing still: About $24K
Total amount of accumulated interests: About $20K
Total amount of "service charge" and fees: About $5K.

I missed a few payments and my credit rating got ****ed. So I just told them to **** off. It's not like I needed extra credit in the last 5 years since I was maxed out. And to think that if I had filed for bankruptcy then I would be free next year. I told them they got their money and that the balance is pretty much composed of accumulated interests and fees. They said that I owed it to them according to the "term of service". I stopped answering their calls for about 5 months now.

Now they are offering me a consumer proposal for 50% of what I owe.

All my assets are now in cash. I still have a few small time CCs. I just don't trust the bank, they are the biggest criminals in this nation and they lie to you also.

Anyways, onto topic:

OP, what is the minimum ever owed that required hiring you? I had guys owing me $150, $400, $300, etc and got screwed over. We played Poker on credit.

I live in Canada and I tried threatning (bluffing) my deadbeat junkie debtors and they treatned to show me their gun.

I would want min payment of five hun to go see someone, but i would make a call for free to guys who owed a smaller amount. Normally a phone call from a collector scares ppl but i would never bother with going to get small debts myself. I no someone who torched another guys car over a 400 debt. Silly imo

But do you always know where the person lives? I mean some deadbeat with no place to live can go from one relative to another or even skip town if the amount is fairly large and worth it?

op wat area u from?

I know one guy who had a lot ppl skip town on him, he was not that smart tho. The guys i wore collecting for got every info and to get credit it was all done at the person who was getting its house. They wore not giving to just anyone lot of research went into it. As for the small debts i no guys who will go belt some one for a two fa of weed

this.

melbourne

which suburb?

im from the west spent most of my time around ppl from inner west

Why do you ask

Yeah we were by the book compared to your practices.

We would take them to court and get judgment against them and filed Writ's of execution against them

Freeze there bank acct's,Property levy, anything we needed to do within the law. But believe me I wouldn't have minded going and Breaking some knee caps of "some" of the scum bags I had to call and deal with. Most ppl were just hard working ppl that hit hard times. And relied on credit Cards to get by.

I don't do it anymore though I got burnt out from it.

I had the same problem sometimes where its a long standing customer who you cant hit but you just wanna go bang. I was used more as a scare tactic then actully hurting ppl, but sometimes you have to

Sometimes, some people are more afraid of their wife/collegues finding out than actually physically getting hurt.

Lol this is also true with drug debts. But being a legal business your not allowed to tell others are you

.

You can tell Spouses and you can have said Debtor served by the Constable there place of employment. Then if they lead you to do a property levy I am pretty sure it is usually held on there front lawn for there neighbors to bid on. And that I imagine would be pretty embarrassing.

.

Can an unpaid debt of $50 affect your credit rating? I heard somewhere the amount had to be ~$300. Any truth to this?

prolly.
My version of Affordable Health Care [taking all the collection notices from hospitals, Dr.'s offices, running upwards of 5k now LOL, and chucking em in the trash] has caused my credit rating to go up about 50 points.

I honestly think some facets of Amurrica's financial system doesn't have a clue.

How else do you explain how Amurrica's greatest financial mind goes on TV 5 nights a week, claims to get 4 hours sleep a night, and is well known for his hyper, seemingly meth-induced rants?

Stick with Cramer.

Also, I'm 6'1", 275.
Come over and think u can scare my ass into paying up.

With those measurements you can't even get off the sofa.