Current Events > Alabama police give homeowner one second to respond before killing him

(+) Yeah! (+)

Sufferedphoneix posted...

Ok cause since some practice shitty behavior people should just get shit for free? You really didnr provide a better way to do things.

You could have at least argued the ones who do shitty things get punished for it. But the act if done correctly is needed to be done.

Debt collectors are not the same thing as "not repaying your debt."

You could have at least said nothing instead of flying off the handle and clearly not recognizing the issue that's really at play.

ArtiRock posted...

Debt collectors are not the same thing as "not repaying your debt."

You could have at least said nothing instead of flying off the handle and clearly not recognizing the issue that's really at play.

Still no answer for why people shouldn't pay for stuff they purchased or how is a better way for the company to go about either collecting payment or getting the item back.

Sufferedphoneix posted...

Still no answer for why people shouldn't pay for stuff they purchased or how is a better way for the company to go about either collecting payment or getting the item back.

The answer is that they would. Duh.

How do you get people to pay things back? Well, allow me to introduce you to the concept of... credit scores. You don't pay stuff back, you have higher interest rates and people are less likely to loan to you. That's how you get people to pay things back.

All it sounds like is you're trying to justify shitty debt collectors.

ArtiRock posted...

The answer is that they would. Duh.

How do you get people to pay things back? Well, allow me to introduce you to the concept of... credit scores. You don't pay stuff back, you have higher interest rates and people are less likely to loan to you. That's how you get people to pay things back.

All it sounds like is you're trying to justify shitty debt collectors.

I've lived most of my life with zero credit and got by. Not really a punishment if you got other people helping you. And it doesn't help said company get their money at all.

Sounds like you are justifying people not paying for what they buy.

Sufferedphoneix posted...

I've lived most of my life with zero credit and got by. Not really a punishment if you got other people helping you. And it doesn't help said company get their money at all.

Sounds like you are justifying people not paying for what they buy.

That is not what I'm talking about with needing credit. You've obviously never made a larger purchase if you're saying this. You're just sounding more and more ignorant to this the longer you talk.

No it doesn't.

ArtiRock posted...

That is not what I'm talking about with needing credit. You've obviously never made a larger purchase if you're saying this. You're just sounding more and more ignorant to this the longer you talk.

No it doesn't.

You still ain't explained why they shouldn't get their money. And yeah I'm paying near 800 bucks a month on a car right now.

Here's the thing I don't buy shit unless I know I can afford it. I don't have much sympathy for people who buy shit they can't afford.

Sufferedphoneix posted...

You still ain't explained why they shouldn't get their money. And yeah I'm paying near 800 bucks a month on a car right now.

Here's the thing I don't buy shit unless I know I can afford it. I don't have much sympathy for people who buy shit they can't afford.

If you had better credit you wouldn't be paying 800 bucks a month on a car because people would actually trust you to pay off your debts. So you have dealt with credit, you just lied or don't know what it is. I did explain that. You're just absolutely not getting anything.

You obviously couldn't afford your car or you wouldn't be paying 800 dollars a month on it. You would have just purchased it.

Does CE hate tow truck drivers as much as landlords?

ArtiRock posted...

If you had better credit you wouldn't be paying 800 bucks a month on a car because people would actually trust you to pay off your debts. So you have dealt with credit, you just lied or don't know what it is. I did explain that. You're just absolutely not getting anything.

You obviously couldn't afford your car or you wouldn't be paying 800 dollars a month on it. You would have just purchased it.

I didn't finance shit till like year or so ago. That's what I was saying. Hitting someone's credit isn't a suitable punishment. It doesn't affect everyone the same.

I coulda not paid my last car at all..wouldn't have done shit to me other than my credit but that's whatever. My brother has survived off just buying cars out of other people's driveways. I could do the same. But the bank would have lost money.

I don't give a shit about corporations but I fully belive if you agree to buy something you should pay for it. Price tag ain't to your liking or you can't afford it then you shouldn't fucking buy it.

Sufferedphoneix posted...

I didn't finance shit till like year or so ago. That's what I was saying. Hitting someone's credit isn't a suitable punishment. It doesn't affect everyone the same.

I coulda not paid my last car at all..wouldn't have done shit to me other than my credit but that's whatever. My brother has survived off just buying cars out of other people's driveways. I could do the same. But the bank would have lost money.

I don't give a shit about corporations but I fully belive if you agree to buy something you should pay for it. Price tag ain't to your liking or you can't afford it then you shouldn't fucking buy it.

This is irrelevant. You literally said you hadn't dealt with credit. You are dealing with credit if you took out a loan. What does this have to do with anything.

I don't know what this means. Like... At all.

What the hell does this have to do with ANYTHING!?

[LFAQs-redacted-quote]

If feels like this person is just saying random stuff. TBH, it's disgraceful that ANYONE would be killed over a finances situation like this.

ArtiRock posted...

is irrelevant. You literally said you hadn't dealt with credit. You are dealing with credit if you took out a loan. What does this have to do with anything.

I don't know what this means. Like... At all.

What the hell does this have to do with ANYTHING

You said something I forget now about why I was paying so much for a car
So I explained why.

Side note I hate how car dealers looking into your credit drops your credit. I shopped around so it took a few hits before I found the car I wanted. Still was like 650 by the time I got to the car I ended up getting though.

If someone doesnt pay their debts the company should take them to court. Theyre in a far more safe and comfortable position to do so as opposed to someone living paycheck to paycheck whos just lost their car, and possibly soon their job and house.

Dark_Arbron posted...

If someone doesnt pay their debts the company should take them to court. Theyre in a far more safe and comfortable position to do so as opposed to someone living paycheck to paycheck whos just lost their car, and possibly soon their job and house.

Someone giving a decent sounding alternative. Thank you.

Also if repo must be a thing I think cops should be present.

Well in a perfect world where cops just don't shoot people over trivial shit. So I take that back as far as America goes

Dark_Arbron posted...

If someone doesnt pay their debts the company should take them to court.

So long as they are given the opportunity to negotiate the date for ease of the debtor to show. And to coordinate with their job so they don't risk losing it by showing up to defend themselves.

Dark_Arbron posted...

If someone doesnt pay their debts the company should take them to court. Theyre in a far more safe and comfortable position to do so as opposed to someone living paycheck to paycheck whos just lost their car, and possibly soon their job and house.

This is nice in theory but going to court would likely cost more money to the company than whatever amount they're seeking from the indebted.

And if all court costs go to the indebted, that just decreases the chance of the company getting their money anyways because the indebted now have additional financial burdens.

Sufferedphoneix posted...

You said something I forget now about why I was paying so much for a car
So I explained why.

Side note I hate how car dealers looking into your credit drops your credit. I shopped around so it took a few hits before I found the car I wanted. Still was like 650 by the time I got to the car I ended up getting though.

I didn't say you forgot. I said you didn't know what you were talking about. You were saying how you never dealt with credit based on the ignorance of what you were, and then when I said you hadn't, your response is to bring up something that deals with credit. Which goes against your "I don't deal with credit" talk.
wackyteen posted...

This is nice in theory but going to court would likely cost more money to the company than whatever amount they're seeking from the indebted.

And if all court costs go to the indebted, that just decreases the chance of the company getting their money anyways because the indebted now have additional financial burdens.

It costs more money for everyone all around and would make the process take even longer. And it wouldn't solve issues like mine, and in cases would make it just as awful, if not worse. This isn't even close to a decent alternative, as it's largely worse.

IE, in my situation, let's say that the ISP takes me to court for the "not paying for equipment." Then I get sent mail about a court date for something I don't owe, and I have to hire an attorney to defend myself for things I don't owe (thus spending more money on the lawyer than I owe, it's $50 which is definitely less than a lawyer), AND I have to show up on a specific date to do so (doesn't matter if I have some control of the date or not), and if I don't, then I "automatic forfeit my right to defend myself." And you can bet your ass that even if you win, at most, the company would cover the court fees but not the actually money people potentially lost for going to work. Even if they did, in this case, them going for $50 would be a colossal waste of money if they lost.

The credit system is fine how it is. And why this bloke is so concerned about the company when my example literally brought up how the debt collectors are harassing me for a debt they didn't even verify was legitimate showcases the entire problem with everything that happened in this situation. The ISP makes and error because the apartment complex is stupid and they want me to pay for some mysterious person that I've never met because at one point I lived in the same apartment as the person who got equipment from there and didn't pay.

tldr:
it'd cost everyone more to do the court suggestion and make the process even slower.