Lurker > IdiotMachine

byron posted...

Don't pay credit card bill
Get sued
Get assets seized

It is absolutely not that simple. Here's a more legally accurate website that discusses the matter:
https://www.nolo.com/legal-encyclopedia/credit-card-debt-judgments.html

If you follow the breadcrumbs, it states that (depending on the state) there are things the creditor cannot take and are exempt. Examples:

Usually, the creditor can go after a portion of your net wages (up to 25%, more if the judgment is for child support), bank and other deposit accounts, and valuable personal property, such as cars and antiques.

Not all of your property can be taken, however. Every state has certain property it declares exempt. This means it is off limits to your creditors, even judgment creditors. Just because you owe money, you shouldnt have to lose everything. You still need to eat, keep a roof over your head, clothe yourself, and provide for your family. If you have very few possessions, you may find that most of what you own is exempt.

https://www.nolo.com/legal-encyclopedia/how-creditors-enforce-judgments.html

In short, if you're a normal family and have just one home, and the home itself is not in default, they will not take the house from you.

frozenshock posted...

That makes no sense. If you have a debt and if you have assets, why couldn't yout creditor use your assets to cover the debt?

Because credit card debt is an unsecured debt (hence the high APR). You do not sign collateral for that. Why should a creditor have access to another property of mine, that has no connection with them?

Example:
If I have a car loan, the car is the collateral. If I do not pay for the car loan, the bank takes the car.

frozenshock posted...

Why not?

Aside from violating court-ordered repayments (like child support) and self-induced court hearings (like bankruptcies), the courts don't take over one of your assets to cover for the other asset.

frozenshock posted...

That's the same pretty much everywhere

No it's not. In the US, if you have $30,000 worth of credit card debt, the US government won't come and just take your house.

ImTheMacheteGuy posted...

Source?

Netflix. Here's a summary:
http://www.radiotimes.com/tv-programme/e/cs4tsm/cant-pay-well-take-it-away--series-1---1-nobody-is-happy-to-see-us/

Watching "Ca't Pay, We'll Take It Away!", Season 1, Episode 1:
There's a couple in England that's been living in a house for 19 years. They did not fall behind on the mortgage for that house. They, however, got into 30,000+ debt with their credit cards and other loans. Two High Court Enforcement Officers literally "broke into" the house with a crowbar, and evicted the couple. The couple still has to make mortgage payments until they can sell off the property to pay off the 30,000 debt.

Fuck that shit. What kind of country will do that to its citizens? Take their homes to pay off "unsecured" loans? That is seriously fucked up.

E32005 posted...

people were whinging this time last year and could have sold in jan around $1000

idk why people think "historical trends" matter on something that literally has only a couple years worth of history.

E32005 posted...

remember this come december/jan 2019

That it's going to be $0? Yea.

DundiesAward posted...

lol I didn't realize people still have crypto. Thought everyone sold at the end of last year.

I made around $1000 total profit off of it. Looks like I'm basically at a net zero after this bullshit.

50Blessings posted...

Just a market correction, it will bounce back!

Nah fuck that. Once this hits $300, I'm selling. Don't care.

I should've sold this shit last month.

Well?

UnholyMudcrab posted...

That bear scene is going to become iconic

If people actually watch the movie, yea.

Did they finally give up and get $$$ from Valve's Steam?

https://www.geek.com/games/if-valve-doesnt-own-steam-com-then-who-does-1659136/

Credit card APRs are high because they're essentially unsecured loans. In addition, you're not supposed to carry a balance with your credit card, so that APR won't matter. Don't sweat it too much.

What does the company do and what do you do?

CruelBuffalo posted...

Thank you for making top tier Asian food

What? Look at this shit:
https://gamefaqs.gamespot.com/boards/400-current-events/76452015

FL81 posted...

It's pretty ridiculous that 18-20 year olds have to sign up for the selective service, but wouldn't even be able to purchase a firearm for home defense anymore.

Agreed that it depends on who you ask. I think it is reasonable to require a minimum age of 18 years old (since I believe most areas 15, or has no limits except for handguns).

_BlueMonk posted...

they're putting rice cakes in a spicy sauce on top of a pizza with chicken and ketchup.

That sounds absolutely disgusting.

CEs_EFG posted...

>thousands of teenagers protesting to take away guns

I thought they were protesting for better gun control laws, e.g. more in-depth background checks, waiting periods, raising of minimum age, knowledge/practical tests, etc.

What the fuck are they doing to that pizza?

ModLogic posted...

do you still want to associate with those looneys?

Ehhhhh.... I'm going to reconsider the range prices vs. joining a gun club. But if the gun club is that much cheaper (with NRA membership tacked on), I'll probably say "fuck it" and just go for the NRA membership.

deupd_u posted...

Because there actually are a large mass of people trying to take your rights away?

Banning devices that effectively turn semi-auto weapons to full-auto weapons is okay with me.

I'm looking to purchase my first handgun and joining a gun club (because it's literally the cheapest way to actually shoot the gun on a regular basis vs. going to a shooting range). The gun club requires an NRA membership, so checked their website for membership fees... and holy shit. Their website seems so delusional, with accounts of how the second amendment is under severe attack, sale of t-shirts that says "Stand and Fight", TV shows (I didn't even know NRA had TV shows) titled "Love at First Shot", laughing at Hollywood for anti-gun activism... Jeez, they seem very extreme.

He's not technically wrong... it would be great if everyone knew the basics of CPR and took a "Stop the Bleed" course.

Tyranthraxus posted...

if this is only views that means I only have to get someone to click on my video so I just upload a cam recording of Bright to dodge the copyright detection ezpz 1 million views before it gets taken down.

lol you really think 1 million people will watch a cam recording of Bright?

Sami1000 posted...

Easy. Make very short video. Then hire maybe 200 people to watch that video everyday as many times as they can. i guess 1000 for each should do it. Just short 3 sec video. if they all watch it 200 times per day, i get 1.2 million views in just one month. It also leaves me time to have back up plan if i get screwed by some of them.

YouTube does have algorithms to detect false views such as these.

You have all the resources you have now. No additional/temporary resources will be granted to you pro bono for partaking in this challenge. You are free to use your resources to help you meet this challenge.

You have three months to produce an original YouTube content that must garner at least 1,000,000 views. The number of views must be 1,000,000 or greater by the end of the last day of the third month.

If you succeed, you will get $1/view (at least $1,000,000 total). If you fail, you will owe $1/missed view (for example, if you got 750,000 views by the time limit, you will owe $250,000).

Do you take the challenge?

KG536 posted...

The presentation looks absolutely gorgeous and the food looks delicious. Too bad the portion is small.

I've only ever got those types of water vice bottled water on Asian airlines.

creativeme posted...

then why didn't you do it yourself? it takes like 10 minutes tops to put one in.

I rejected the service. I will do it at the next service interval, per my owner's manual. As far as the brakes and the pads, I will replace them myself next month.

$60 with a $15 mail in rebate, so charged $75 today. What the fuck. Cabin air filters cost around $10!

They also recommended a brake job, replacing pads and rotors for ~$400/axle, which is also beyond ridiculous, because the parts alone cost no more than $100 and its literally a 30 minute job.

I go here for lifetime alignment (free), full synthetic oil and filter change (6qts for $45; very reasonable), and tire rotation ($10) regularly, and they always try to add bullshit services like this.

IdiotMachine posted...

Found a range that let's you bring your own ammo. $100 initiation fee + $35/mo for the low tier membership or $25/hr... Geez! Owning a gun is expensive.

The closest range requires you to buy ammon from them, regardless if you own your own gun or not, and it's overpriced at $0.75/9mm. But the range fee is cheaper, at $15/hr...

Found a range that let's you bring your own ammo. $100 initiation fee + $35/mo for the low tier membership or $25/hr... Geez! Owning a gun is expensive.

ChainedRedone posted...

You only need to buy their ammo when you're trying their guns. If you bring your own you can bring your own Walmart ammo. Only thing you should be paying for I'd a membership fee.

Ah; gotcha. I'll try to find out more about the ranges around me then, because I was under the impression that I had to use their ammo even if I bring my own gun.

ChainedRedone posted...

Do some research and pick a gun or two to try out at the range. Buy one you feel comfortable with.

I have held quite a number of handguns, and out of them, I felt comfortable enough with Beretta M9, S&W P22, and Glock 19 to try test firings (as described in post #6).

r4X0r posted...

Yes. You're going to have to either buy your own weapon or pay high fees for renting one and buying ammunition. And considering you can buy a cheap handgun for a few hundred dollars, the cost of entry to purchasing very quickly pays for itself.

I have fired some handguns for free as an interested customer ("demo units"; limited to a couple rounds); so I guess I mean more like after I purchase the one I want and then go to the range with my own handgun.

I'm looking to buy a handgun, and obviously, I want to fire the handgun to get some experience and practice. This might seem like an odd question, but the firing ranges around me do not allow you to bring your own ammunition, and they seem to charge an incredibly inflated price for the ammo and paper targets, in addition to the range time. Is this normal?

DanHarenChamp posted...

This just helps my case that blue states > red states.

I wasn't trying to tip the favor one way or another; just not sure why you picked the states you did and left out the "more fiscally contributing" states.

DanHarenChamp posted...

Basically would you rather be in a country with California, NY, Washington, Oregon, Nevada, Chicago, Illinois, Minnesota, or would you rather be in a country with Mississippi, Alabama, Florida, Kansas, Wyoming, the Dakotas, the Carolinas, Georgia.

lmfao.

You're missing Texas, Pennsylvania, Ohio, and New Jersey, which are in the top 10 of state GDP.

In the United States:
Say every single Republican moved to one side of the country and every single Democrat moved to another side of the country. 3rd party people were randomly, and evenly, distributed between these two countries.

Which country would be more rich and powerful?

UrCa1988 posted...

Greenmangaming has the PC version as 60% off when you add it to cart.

https://www.greenmangaming.com/games/nier-automata-steam/

Tempting... thank you.

Clear your damn notifications. How do you live like that?

https://store.playstation.com/en-us/product/UP0082-CUSA04551_00-ANDROIDS20030612

Why would you lie like that?

My rate of return for the year-to-date is -0.79%... =(

It's still at +16.42% when you look at 1-year though =)

Hexenherz posted...

Man, I read the whole OP and almost started to type up a serious response and then saw the TC's name... blargh.

But I'm serious. There's no loss of sales here.

Looked gf posted...

TC is a poor man's @Complete_Idi0t

wat

Like those shitty cam versions of a movie, that someone recorded a movie from... why do the feds/MPAA even bother going after these?

If people are willing to watch those shitty versions, they're not going to pay to watch the movie in the first place.

Now streaming/blu-ray copies, I absolutely understand because they're high quality...

Who?

Do they think it matters that they had the right of way if they get hit by a car and die? Look both ways regardless if you have the right of way or not, and cross the road!

Hopefully he opted to pay extra for the insurance.

How much did you pay for the three movies?

gamer167 posted...

What kind of bitch ass cat do you have?

They're so "baby". Except for eating and peeing/pooping, literally all they do is jump on our lap and sleep when we're sitting, or cuddle outside our bedroom waiting for us, as we do not let them in our bedroom (I set up a camera once to check if they stay outside all night; and they literally do).

They don't even play with any of the toys we buy them, or play with lasers or anything... they literally just sleep.