Moderator: JdPat04
08GatorBait wrote:It sounds like fraud...how about just going like 2,000 deep on a new living room set and tv :P
frazier9495 wrote:Just tell the hospital you can only afford $50 a month. Eventually they will get tired of your slow paying ass and tell you that they no longer want your money.
I think your chances of avoiding fraud charges after maxing out a few credit cards and then filing for bankruptcy would be slim.
Muck FcDisney wrote:$30K? How many fucking STDs did you get, deadbeat?
The bums will always lose!
08GatorBait wrote:Anyone filed for it?
I have huge hospital bills I really don't want to pay and I don't plan on getting any loans or anything for a few years so seems a good time to do it to get rid of 30k I really don't want to spend. I also heard I can basically get a few credit cards and max those fuckers out right before it goes through and basically walk away with thousands of dollars in free shit. Anyone know if this works?
JdPat04 wrote:frazier9495 wrote:Just tell the hospital you can only afford $50 a month. Eventually they will get tired of your slow paying ass and tell you that they no longer want your money.
I think your chances of avoiding fraud charges after maxing out a few credit cards and then filing for bankruptcy would be slim.
If he was gonna try that then fuck paying $50. They'll gladly accept that. Pay $5 or $10 and no more.
Offer to pay $5 a month and tell them that's all you can affordt
FSUKW wrote:08GatorBait wrote:Anyone filed for it?
I have huge hospital bills I really don't want to pay and I don't plan on getting any loans or anything for a few years so seems a good time to do it to get rid of 30k I really don't want to spend. I also heard I can basically get a few credit cards and max those fuckers out right before it goes through and basically walk away with thousands of dollars in free shit. Anyone know if this works?
Don't file bankruptcy over 30K. Bankruptcy makes sense in some scenarios but not for 30K. You are young and educated. If you are like most educated working class people, your income will grow every year. You should seriously consider taking the big boy way out and not the lazy, welfare, Obama way out. You can do it but you have to be disciplined. I'd start by:
1) Getting the fuck off Tinder with the exception being the free booty calls.
2) Stop incurring debt. Stop using Credit Cards.
3) Put any retirement plans on hold. (all money goes to debt)
4) Negotiating your medical bills. (call them up and offer settlement. I've heard some will accept .5 cents on the dollar - but get it in writing)
5) Snowball your debt. (pay smallest balance first, then move on to next smallest and so on)
6) Get a part time job. (delivering pizza's for example)
7) Get some insurance so this doesn't happen again.
There is no reason you can't pay 30K off in 3 years or sooner especially if your income grows but you have to stop spending. You may not think it matters now, but B/K will follow you for a very long time and statistics show you will probably file B/K a second time in your life. I would also not suggest jacking up credit cards before filing. This is Fraud and is a Federal Crime.
To the poster above, there are actually 6 kinds of B/K but 7, 11 and 13 are the most common and 11 is corporate.
Just my 2 cents.
08GatorBait wrote:FSUKW wrote:08GatorBait wrote:Anyone filed for it?
I have huge hospital bills I really don't want to pay and I don't plan on getting any loans or anything for a few years so seems a good time to do it to get rid of 30k I really don't want to spend. I also heard I can basically get a few credit cards and max those fuckers out right before it goes through and basically walk away with thousands of dollars in free shit. Anyone know if this works?
Don't file bankruptcy over 30K. Bankruptcy makes sense in some scenarios but not for 30K. You are young and educated. If you are like most educated working class people, your income will grow every year. You should seriously consider taking the big boy way out and not the lazy, welfare, Obama way out. You can do it but you have to be disciplined. I'd start by:
1) Getting the fuck off Tinder with the exception being the free booty calls.
2) Stop incurring debt. Stop using Credit Cards.
3) Put any retirement plans on hold. (all money goes to debt)
4) Negotiating your medical bills. (call them up and offer settlement. I've heard some will accept .5 cents on the dollar - but get it in writing)
5) Snowball your debt. (pay smallest balance first, then move on to next smallest and so on)
6) Get a part time job. (delivering pizza's for example)
7) Get some insurance so this doesn't happen again.
There is no reason you can't pay 30K off in 3 years or sooner especially if your income grows but you have to stop spending. You may not think it matters now, but B/K will follow you for a very long time and statistics show you will probably file B/K a second time in your life. I would also not suggest jacking up credit cards before filing. This is Fraud and is a Federal Crime.
To the poster above, there are actually 6 kinds of B/K but 7, 11 and 13 are the most common and 11 is corporate.
Just my 2 cents.
1. I am seeing someone so may actually happen
2. I have no cards(cut the only one I used for car crap)
3. I have plans but only through work. I'm not saving for retirement now but I have 401k and Pension
4. Already doing it
5. My debt is all in one general area. Credit Card I pay 200 a month and it's not a problem only other debt are student loans(can't do shit about I believe) and the Hospital bills
6. I work two jobs now, and may take on a third. I only make 35k a year and that money disappears so fucking quick. I took a second may look into third just for the hell of it but with the goal of getting ahead. My credit is actually not bad I just sought out getting a new car the bank seems willing to give me a 15k loan if I need so it can't be terrible
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