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-   -   Drive fast, live hard, no regrets... Sorry Penske (http://www.lawtalkers.com/forums/showthread.php?t=701)

taxwonk 08-23-2005 04:17 PM
FUPA
 
Quote:
Originally posted by Hank Chinaski
No. this kind of uniform:

http://img16.exs.cx/img16/2645/49-metrosexual.jpg

nice hair weed! Flower couldn't even change out of his bike shorts?
Finally decided to come out? Is this inspired by the SFU finale?

Not Bob 08-23-2005 04:20 PM
Quote:
Originally posted by greatwhitenorthchick
So, um, looks like Dany Heatly is going to Ottawa.
that's about it for today.
Teemu Selanne is going back to The Mighty Ducks. No word on whether Coach Gordon Bombay will give him much ice time.

pony_trekker 08-23-2005 04:23 PM
Quote:
Originally posted by Not Bob
Teemu Selanne is going back to The Mighty Ducks. No word on whether Coach Gordon Bombay will give him much ice time.
Ranger rookie class is a nice bunch of hard-working kids, I heard too.

notcasesensitive 08-23-2005 04:27 PM
Revisiting Crappy Credit Stuff
 
Quote:
Originally posted by robustpuppy
Before deciding on anything, as I mentioned before, you should dispute EVERYTHING the bank says in writing. Even though you signed on as a guarantor, you have some basis to complain about the bank's method of seeking to recover the debt from you. You don't know that a very assertively worded letter citing the crap out of state and federal fair credit reporting requirements won't cause them to step back. If you can cite a technical violation, you are on pretty good ground to get some concessions.

There is nothing to stop you from demanding that they remove the negative report from your credit report by sending corrections to the credit bureaus, and if that works (it very well may), THEN you can try to negotiate a settlement for x cents on the dollar. They can't do you any more harm with respect to credit reporting than they already have, so an assertive but not abusive letter may do you more good than you anticipate.

Only pay it off to avoid the negative credit report after you're certain you can't get it removed, even if only temporarily. That will buy you time to get into your apartment -- although it seems unlikely this could hurt your chances. The landlord should be more interested in your debt-to-income than in one aberrant negative report relating to a deadbeat ex.

And remember: calling will not preserve your rights.
I hear what you are saying, and it is probably a good idea to send them a letter, but I was basically advised by my workout person here not to threaten any sort of litigation with them. I have mentioned FCRA generally on the phone, which led to the collection person saying something akin to "don't threaten me" and me saying that I was not threatening anything (I'm no longer dealing with her anyway, I've moved on to her superior). I've been biding my time a bit on the notice thing under state law because all I know is that it was reported to the credit agencies in July and they had 30 days from the date of reporting to comply. I don't want to tip them off before the period has run. Also I now need to see this purported July letter to see if they covered that requirement.

What would I do with the credit agencies? Dispute the report? I've never had to deal with this, so I'm not sure how that works.



ETA: It helps me not at all that Bank (and its affiliates) is a client of mine. So taking a tough stance with them may very well be frowned upon here.

robustpuppy 08-23-2005 04:27 PM
NCS
 
If you write your letter before you even get the letter from the Bank, then you can honestly say "I have never received written notice and your bank did not even succeeed in contacting me by phone until ___, 2005, at which time reporting had already occured."

I wouldn't construe this as threatening litigation. How would this affect your rights, anyway? What did your workout person say?

But I see your point about tipping off (I wrote the above before seeing your post).

Also, do have a drink as fringey suggests and don't let this stress you too much. It sucks that your ex is a deadbeat and lives like a loser, but your life is so much better now, and in the grand scheme you are exceedingly lucky that your worst-case scenario is you are out some amount of cash that you would hate to lose, but can afford to do so. You still get to be with Mr. Man and (presumably) the two of you have all four of your kidneys and no more than four nipples.

ltl/fb 08-23-2005 04:32 PM
NCS
 
Quote:
Originally posted by robustpuppy
If you write your letter before you even get the letter from the Bank, then you can honestly say "I have never received written notice and your bank did not even succeeed in contacting me by phone until ___, 2005, at which time reporting had already occured."

I wouldn't construe this as threatening litigation. How would this affect your rights, anyway? What did your workout person say?

But I see your point about tipping off (I wrote the above before seeing your post).

Also, do have a drink as fringey suggests and don't let this stress you too much. It sucks that your ex is a deadbeat and lives like a loser, but your life is so much better now, and in the grand scheme you are exceedingly lucky that your worst-case scenario is you are out some amount of cash that you would hate to lose, but can afford to do so. You still get to be with Mr. Man and (presumably) the two of you have all four of your kidneys and no more than four nipples.
My recommended drink was not a destressing drink (though those are good). My drink was an enabling to disengage from emotional reactions and think what you'd want a good friend do to. This generally works for me.

Replaced_Texan 08-23-2005 04:33 PM
NCS
 
Quote:
Originally posted by robustpuppy
If you write your letter before you even get the letter from the Bank, then you can honestly say "I have never received written notice and your bank did not even succeeed in contacting me by phone until ___, 2005, at which time reporting had already occured."

I wouldn't construe this as threatening litigation. How would this affect your rights, anyway? What did your workout person say?

But I see your point about tipping off (I wrote the above before seeing your post).

Also, do have a drink as fringey suggests and don't let this stress you too much. It sucks that your ex is a deadbeat and lives like a loser, but your life is so much better now, and in the grand scheme you are exceedingly lucky that your worst-case scenario is you are out some amount of cash that you would hate to lose, but can afford to do so. You still get to be with Mr. Man and (presumably) the two of you have all four of your kidneys and no more than four nipples.
Hmph. Some people can't help the fact that supernumerary nipples run in the family. And it may just be a mole.

robustpuppy 08-23-2005 04:33 PM
Revisiting Crappy Credit Stuff
 
Quote:
Originally posted by notcasesensitive
ETA: It helps me not at all that Bank (and its affiliates) is a client of mine. So taking a tough stance with them may very well be frowned upon here.
Ohhh, that sucks. Although on behalf of my firm, I could resolve that particular aspect of your dilemma.

robustpuppy 08-23-2005 04:35 PM
NCS
 
Quote:
Originally posted by Replaced_Texan
Hmph. Some people can't help the fact that supernumerary nipples run in the family. And it may just be a mole.
If the extras are as sensitive as the primaries, that wouldn't be a bad thing.

Replaced_Texan 08-23-2005 04:36 PM
NCS
 
Quote:
Originally posted by robustpuppy
If the extras are as sensitive as the primaries, that wouldn't be a bad thing.
It may just be a mole.

notcasesensitive 08-23-2005 04:37 PM
NCS
 
Quote:
Originally posted by robustpuppy
Also, do have a drink as fringey suggests and don't let this stress you too much. It sucks that your ex is a deadbeat and lives like a loser, but your life is so much better now, and in the grand scheme you are exceedingly lucky that your worst-case scenario is you are out some amount of cash that you would hate to lose, but can afford to do so. You still get to be with Mr. Man and (presumably) the two of you have all four of your kidneys and no more than four nipples.
I completely agree with this. Life could be worse. I could still be with deadbeat.

ltl/fb 08-23-2005 04:38 PM
NCS
 
Quote:
Originally posted by notcasesensitive
I completely agree with this. Life could be worse. I could still be with deadbeat.
2.

Hank Chinaski 08-23-2005 04:39 PM
Peace. Out.
 
Quote:
Originally posted by NotFromHere
Then you could at least have had Atticus pitch in and help since he was just standing around and all.
I can't believe you wasted your 5002 post on that.

Sparklehorse 08-23-2005 04:39 PM
NCS
 
Quote:
Originally posted by Replaced_Texan
Hmph. Some people can't help the fact that supernumerary nipples run in the family. And it may just be a mole.
Weird. I just read today on Salon that Mark Walhberg loves his third nipple:

http://news.softpedia.com/images//ne...d-Nipple-2.jpg

robustpuppy 08-23-2005 04:39 PM
NCS
 
Quote:
Originally posted by notcasesensitive
I completely agree with this. Life could be worse. I could still be with deadbeat.
In which case I suspect you'd only have one kidney in addition to this debt.

ltl/fb 08-23-2005 04:40 PM
NCS
 
Quote:
Originally posted by robustpuppy
In which case I suspect you'd only have one kidney in addition to this debt.
Mmmmm, steak & kidney pie.

OK, not really mmmmm.

Hank Chinaski 08-23-2005 04:42 PM
Revisiting Crappy Credit Stuff
 
Quote:
Originally posted by notcasesensitive
So, I know you are all dying to help me out more with my Credit-Impaired Ex-Husband and resulting credit woes, so here it is:

Bank is saying that they made some efforts to contact me (calls to some number they had on file 6 years ago or whatever) and that the only way this comes off my credit is if I pay off entire amount. I may have a couple of months to do so, we haven't really gone into specifics because I did not agree on the phone that I would do so.

I'm 99% sure that they did not follow the letter of the state fair credit reporting law, which requires the mailing of notice w/i 30 days of putting something on my account. I need t owait to see the letter that they claim they mailed in July that I never received to confirm.

I could also settle the debt with them for less, I'm sure, but a write-off/settled claim will be on my credit for the next 7 years or whatever (I know I can send in a comment, but the effect on my overall score is what matters to this needs-to-rent-an-apartment-soon chick).

I can go after ex and get a judgment, and maybe even garnishment of wages at his new job that is supposed to solve all his credit woes. I'd guess, given the way he spends money as compared to the way he earns money, he'll be able to pay me like $100 per month for the rest of his life. Factor in that he is a smoker, a drinker and has only one kidney (christ).

What do I do? Should I really settle for less and put up with crappy credit that is not my fault? That so goes against my instincts because I hate the idea of being punished for his crappy lifestyle.

Finally, is the break the kneecaps offer still good?
you could make a deal with fringey that you'll fix her up with the Ex if she covers the debt. Win Win.

ltl/fb 08-23-2005 04:44 PM
Revisiting Crappy Credit Stuff
 
Quote:
Originally posted by Hank Chinaski
you could make a deal with fringey that you'll fix her up with the Ex if she covers the debt. Win Win.
the ex is not local to me. I like them w/in 5 miles. and I think she said he's remarried or something, which is less than ideal.


ETA oooooh, and I have no $$$, which is what led to the bad decision last night.


I could maybe help get him offed, but I don't think that would actually make a difference other than making it impossible for him to pay her back.

Hank Chinaski 08-23-2005 04:45 PM
FUPA
 
Quote:
Originally posted by taxwonk
Finally decided to come out? Is this inspired by the SFU finale?
I'm tall and chubby.

SlaveNoMore 08-23-2005 04:45 PM
Hockey
 
Quote:
pony_trekker
Ranger rookie class is a nice bunch of hard-working kids, I heard too.
Sather is fucking prick.

Not only did he insist on keeping the useless Kasparitis, but he refused to sign any legitimate Free Agents, under the guise that next year's FA class will be world calibre.

Well. while the asshole fiddled, all of next year's FAs signed long term deals and Rome burned. So Iginla, Lecavalier, et al are all off the table. Thornton is probably next.

Oh, and he let our rookie goalies walk, too. Douche.

My only question is whether I should adopt the Flames or Canucks as my team (No way I'm supporting a team from San Jose)

greatwhitenorthchick 08-23-2005 04:48 PM
NCS
 
Quote:
Originally posted by notcasesensitive
I completely agree with this. Life could be worse. I could still be with deadbeat.
Absolutely! I was just thinking to myself last night that life is so much unbelievably better not being married.

I think RP's advice is very sound - I wish I had an RP around when I was hooked up with a deadbeat.

NotFromHere 08-23-2005 04:57 PM
NCS
 
Quote:
Originally posted by Sparklehorse
Weird. I just read today on Salon that Mark Walhberg loves his third nipple:

http://news.softpedia.com/images//ne...d-Nipple-2.jpg
I love all of his nipples.

NotFromHere 08-23-2005 04:59 PM
Revisiting Crappy Credit Stuff
 
Quote:
Originally posted by ltl/fb

ETA oooooh, and I have no $$$, which is what led to the bad decision last night.
So you either spent money you did not have or bought something jointly with another person. Either of which would get you a royal bitching out.

sebastian_dangerfield 08-23-2005 05:03 PM
NCS
 
Quote:
Originally posted by notcasesensitive
I completely agree with this. Life could be worse. I could still be with deadbeat.
If you settle for nickles on the dollar ultimately, can't you pay a small premium in exchange for a comment on your report from the bank or its agreement to notify all credit reporting agencies that your payment of the debt should not be listed as a settled payment (or any other thing reflecting negatively on your score)? Can't you just write that into the release?

ThurgreedMarshall 08-23-2005 05:05 PM
Since we're on the subject
 
Quote:
Originally posted by ironweed
In other gynecological news, scientists have now isolated and captured one of Thurgreed's Momma's crabs:

http://www.truthorfiction.com/images/tsunam7.jpg

Researchers believe this discovery could lead to breakthroughs in disease control, bioweaponry and general nasty stankness.
What surprises me is that it is red, which leads me to believe yo momma boiled it up and is plannin' on eatin' that shit. But you didn't show the hot tub filled with butter she's got simmerin', did you?

TM

sebastian_dangerfield 08-23-2005 05:06 PM
NCS
 
Quote:
Originally posted by greatwhitenorthchick
Absolutely! I was just thinking to myself last night that life is so much unbelievably better not being married.
I think that myself a lot, when I'm watching my money go to paying for home renovations and trips to her friends' weddings. It would be nice to take all that cash and live in a bachelor pad and have a fat ride and go to Vegas whenever I like and never deal with having a kid.

But then, I'd be dead. So its a totally ludicrous fantasy.

sebastian_dangerfield 08-23-2005 05:09 PM
NCS
 
Quote:
Originally posted by notcasesensitive
I completely agree with this. Life could be worse. I could still be with deadbeat.
On the flip side, life could be a lot better. Thats how I tend to look at things. The glass is always half full... I just want another, bigger one.

ltl/fb 08-23-2005 05:10 PM
Revisiting Crappy Credit Stuff
 
Quote:
Originally posted by NotFromHere
So you either spent money you did not have or bought something jointly with another person. Either of which would get you a royal bitching out.
Good, good, great, close, but not quite.

greatwhitenorthchick 08-23-2005 05:13 PM
NCS
 
Quote:
Originally posted by sebastian_dangerfield
I think that myself a lot, when I'm watching my money go to paying for home renovations and trips to her friends' weddings. It would be nice to take all that cash and live in a bachelor pad and have a fat ride and go to Vegas whenever I like and never deal with having a kid.

But then, I'd be dead. So its a totally ludicrous fantasy.
I didn't mean the state of marriage itself. I meant my particular marriage, which was not all that good. just fyi, fwiw etc. Yours sounds pretty good.

taxwonk 08-23-2005 05:17 PM
Revisiting Crappy Credit Stuff
 
Quote:
Originally posted by robustpuppy
Ohhh, that sucks. Although on behalf of my firm, I could resolve that particular aspect of your dilemma.
I think she just switched firms recently. Do you really want to hire a job-jumper?

taxwonk 08-23-2005 05:18 PM
NCS
 
Quote:
Originally posted by Replaced_Texan
It may just be a mole.
mmmmm, mole. Poblano?

ThurgreedMarshall 08-23-2005 05:18 PM
Revisiting Crappy Credit Stuff
 
Quote:
Originally posted by notcasesensitive
What do I do? Should I really settle for less and put up with crappy credit that is not my fault? That so goes against my instincts because I hate the idea of being punished for his crappy lifestyle.
If you settle for less, is it possible to negotiate a clear result for your credit if you offer them more than your initial really low offer? Everything is negotiable.

TM

taxwonk 08-23-2005 05:20 PM
Revisiting Crappy Credit Stuff
 
Quote:
Originally posted by ltl/fb
ETA oooooh, and I have no $$$, which is what led to the bad decision last night.
Another loan for Ditech?

robustpuppy 08-23-2005 05:20 PM
Revisiting Crappy Credit Stuff
 
Quote:
Originally posted by taxwonk
I think she just switched firms recently. Do you really want to hire a job-jumper?
As much as I'd like the recruiting bonus, my firm does not have an office in her city.

But new clients are always good. (I didn't suggest her firm would be happy.)

futbol fan 08-23-2005 05:20 PM
Since we're on the subject
 
Quote:
Originally posted by ThurgreedMarshall
What surprises me is that it is red, which leads me to believe yo momma boiled it up and is plannin' on eatin' that shit. But you didn't show the hot tub filled with butter she's got simmerin', did you?

TM
Actually, the red color is a natural camouflage it uses to blend in with yo momma's chronic inflamed crotch rot and taint rash. Turns out Darwin was right.

taxwonk 08-23-2005 05:21 PM
FUPA
 
Quote:
Originally posted by Hank Chinaski
I'm tall and chubby.
Go ahead and say it. Fat. There, don't you feel better now?

ltl/fb 08-23-2005 05:22 PM
Revisiting Crappy Credit Stuff
 
Quote:
Originally posted by taxwonk
Another loan for Ditech?
What's Ditech?

Penske_Account 08-23-2005 05:23 PM
Quote:
Originally posted by Replaced_Texan
Oooh ooh. Some men are sexually turned off watching their wives give birth. Surprise, fucking surprise. And, damn, I'm sure she's all excited to jump in the sack right then and there.
These guys sound like a bunch of wussified pussies to me. Probably spin class denizens. I think I know the depressed guy and frankly I was surprised he had the equipment to conceive.

futbol fan 08-23-2005 05:24 PM
NCS
 
Quote:
Originally posted by sebastian_dangerfield
I think that myself a lot, when I'm watching my money go to paying for home renovations and trips to her friends' weddings. It would be nice to take all that cash and live in a bachelor pad and have a fat ride and go to Vegas whenever I like and never deal with having a kid.

But then, I'd be dead. So its a totally ludicrous fantasy.
What, your wife has the antidote? Now that's what I call mantrappin'.

notcasesensitive 08-23-2005 05:24 PM
Since we're on the subject
 
Quote:
Originally posted by ironweed
Actually, the red color is a natural camouflage it uses to blend in with yo momma's chronic inflamed crotch rot and taint rash. Turns out Darwin was right.
Speaking of Darwin, he apparently "borrowed" the whole survival of the fittest thing from another, less well known scientist of the time. I'm calling the little fish with feet thing Wallaceism from now on. I'm sure this will catch on.


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