Tuesday, June 09, 2009

Fuck Big Business

Turns out I may end up joining my sister in jail. If it happens it will be because I am an asshole and can not stand the man telling me what to do. It is nothing really serious but it really shows that Citibank/Discover/etc blowing the government has really worked out well.

A bunch of years back in 2000 I ran behind on some credit card debts. It was a bad year for consulting and while I was much better off than most people I.E. I actually was working, it was tough. So we got a little behind on a bunch of credit cards. We had been very good up until then. The scumbags at the banks immediately jack the credit rates up to 21% and charge ridiculous fees. We finally are getting out from under a lot of that and have paid our debts except for two cards. One of the cards the collection agency is a bunch of scumbags that break the law, talk to people who's names are not on the card, call on weekends and nights, etc, etc.. so we decided to never talk to them.

One card that I still owe money on is from Discover. So the lawyer there went and got a lien on my property. I was under the impression that credit card debt was unsecured but apparently this is incorrect. I called them and tried to work out something fair. Mind you the original debt was something like 4-5k and they have ratcheted it up to about 12k. Normally they will take a payout of 30 cents or so on the dollar since they buy the debt for like 10 cents. So today I got a notice that if I do not appear in court in September they can arrest me. The lawyer has asked the court to enforce the judgment of the lien. So apparently I am in contempt of court if I do not show up.

I am really anti-social and do not like people telling me what to do so I am planning on missing this. I have some other problems with how this works out also. First off how can the court send letters via snail mail, un-certified, and not delivered to me at all and expect me to receive them? I honestly have not read my mail in over two years and have not answered my cellphone. I really just do not want to interact with the external world at all. So sue me. Oh wait. Nevermind. It just seems really retarded that they are not required to at least have the defendant sign for a certified letter or something of that sort. If I had moved out by now I would never have received the letter. As a matter of fact it was just by chance I saw it hanging out on the stove and took a look.

I also think it is retarded that they would send a guy to jail for a stupid Discover bill. If they did not mean to threaten me with that punishment then they should not have written it on the summons. So they have threatened to throw me in jail for some stupid unsecured credit bill. Um. ya. Serious good cocksuckers those banks have. Just grease all the politicians ass holes and walla unsecured means something totally different. Let's bring back debtor prisons and stockades.

I swear I must be doing this whole thing wrong. Instead of working every day since I was 18 I should have been selling drugs, on welfare, being a drain on society. I would be way ahead by now especially if I impregnated a dozen women or so. I mean we both paths will end up in the same place but one is much more fun than all straight and narrow benefit to society.

I will keep you posted but as of now I am planning on ignoring this summons also. My wife will be concerned about her meal ticket so she may get something worked out with these people before that happens. Honestly speaking I think jail sounds like heaven. I can relax on my bunk, work out in the spa, get free food.. fuck ya! No worries. No decisions. No wife!! BOOM! I can not wait!!!!!


Blogger 1Queens Up1 said...

Believe it my friend. When I moved from TX to PA, my good "friend" promised to return my PC that I rented from Aaron's back to them. I had no reason to believe he wouldn't return it at all.
Well long story short I'm living up in CT for a few months when I get a call from my mom in PA. A sheriff had showed up with a warrant for my arrest, theft (or larceny i forget which). Turns out my "friend" had decided to sell the computer and recoup money he says I owed him instead of returning it like he said he would.
Finishing up here, they had sent multiple letters to my known addresses, which I was at no longer, and when I didnt respond or show up in court they issued the warrant, I never ended up getting arrested as I worked things out with Aaron's and explained what happened, but damn dude I would NOT skip that date if I were you.

9:05 AM

Blogger Bayne_S said...

You borrowed the money.

Man up.

Suck it up

pay them back while it is community property.

9:43 AM

Blogger NewinNov said...

I wasn't aware that credit card companies go to those extremes but I guess if the debt is over a certain level, it makes it worth it. I used to work collections for the State, interesting line of work. When I worked to enforce child support we would place liens in the county of where we suspected someone might own property. The liens in that case would only be a concern when the property gets sold. More of a passive measure. It would really need to be an involved case before we asked for a warrant. Main reason we asked for a warrant was to get the persons attention because the person can't readily pay back any debt if he is in jail.

There are so many blogger lawyers, I'm sure they many offer you some advice about some better course of action than just ignoring it.

Good luck.

9:58 AM

Blogger StB said...

Thank you Bayne!

Pay your bills instead of whining about it.

10:23 AM

Blogger DuggleBogey said...

You used the credit cards, you signed the contract, no matter how shitty the deal.

Live up to your end of the deal and don't make that mistake again.

11:38 AM

Blogger Astin said...

Enjoy the prison sex!

12:04 PM

Blogger DrChako said...

Can you live-blog from prison?


12:51 PM

Blogger PokahDave said...

claim bankruptcy...then they can't take anything away except credit...

1:56 PM

Blogger jjok said...

Waffles getting cornholed or cocksandwiched and all of us laughing at him.

2:25 PM

Blogger MHG said...

Let me know if you can play WoW from prison.

2:43 PM

Blogger Wwonka said...

You forgot to mention all the sex you will get to have in Prison.

5:07 PM

Blogger Loretta8 said...

for the love of god don't ignore the summons, show up and be nice and apologetic, if you piss them off they'll do their best to shit all over you

9:12 AM


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