Deadbeats? What about single parents doing everything they can to get by? First generation college students trying to change their lives? People who develop serious illness? Cancer?
Debtors prison? Yeah... take people who owe money... and put them in jail... where they don't earn ANY money AND give law abiding citizens a criminal record - which would alter their ability to gain any substantial employment.. NOT TO MENTION putting regular people away with actual criminals is basically sending normal people to crime school.
I'm a medical student, one year away from joining Doctors Without Borders, and making a differences in some of the darkest places in the world. BUT, because Sprint decided to charge me an extra months service- without my knowledge- they decided to turn me into collections for 56.43. So the world is a better place if I am in debtors prison because Sprint is immoral and flat out wrong, rather than serving people that would otherwise have no access to healthcare?
I realize I am an extreme case, but I also know that I am not alone. Some people do take full advantage of the current system. THANKFULLY, we have things called credit scores that follow people, and alter the interest rates they pay, or even their ability to borrow money or finance.
I think you should reconsider some of the conclusions you have drawn... for your own good.
It is obvious to me that you have been fortunate enough to never have to experience the financial struggles that many Americans face. Working a full time job, weekends and overtime, just to barely keep your head above water, does not make you a deadbeat. ...Also, it costs money to declare bankruptcy, and sadly, even bankruptcy has become a luxury for those who can manage to afford it. Furthermore, "starting over" is far easier for one to flippantly suggest as an end-all, than for one to truly accomplish. Its certainly not impossible, but its definitely not as easy as you make it out to be.
Deadbeats? What about single parents doing everything they can to get by? First generation college students trying to change their lives? People who develop serious illness? Cancer?
Debtors prison? Yeah... take people who owe money... and put them in jail... where they don't earn ANY money AND give law abiding citizens a criminal record - which would alter their ability to gain any substantial employment.. NOT TO MENTION putting regular people away with actual criminals is basically sending normal people to crime school.
I'm a medical student, one year away from joining Doctors Without Borders, and making a differences in some of the darkest places in the world. BUT, because Sprint decided to charge me an extra months service- without my knowledge- they decided to turn me into collections for 56.43. So the world is a better place if I am in debtors prison because Sprint is immoral and flat out wrong, rather than serving people that would otherwise have no access to healthcare?
I realize I am an extreme case, but I also know that I am not alone. Some people do take full advantage of the current system. THANKFULLY, we have things called credit scores that follow people, and alter the interest rates they pay, or even their ability to borrow money or finance.
I think you should reconsider some of the conclusions you have drawn... for your own good.
I don't think this forum was set-up to receive a lecture from you! Thanks for the information that you did provide. We are not seeking YOUR opinion, but the facts, sir. Good luck with the annoying phone calls.
Really? Well I hope you never fall on unexpected hard times. Many collection companies break the law OFTEN (especially with the outsourcing to India who will call before and after collection times and threaten you with being arrested) and should be reported. I am sure you are a collector and probably a real jerk on the phone. Try to remember not everyone expects to get into debt, and oh, have you heard? We are still in the midst of a recession and at almost a 10% unemployment rate. Think about that next time you want to harrass someone.