People are idiots.
I'm aware this isn't the newsflash of the century, but...well...people are idiots. Certainly I include myself in this rash generalization. We sign things without reading them all the way through, we always think we're right, and we watch "24." Really, isn't that more than enough evidence right there? (While I may include myself under the category of "idiot" I do NOT include myself under the category of people who watch "24." I like to think that there's a line, and I have drawn it in the sand.)
Today I'm going to bitch about credit, because bitching is what I do. Let's consider this a little lesson in Credit Management from Someone Who Knows, Although She Is Not Allowed to Really Say Why or How She Knows Due to Potential Liability Factors. I am going to attempt to raise our Credit IQ here.
If you sign a lease, as the main party or as the co-signer, you are RESPONSIBLE FOR THE DEBT. I don't care if the car blows up ten minutes after you bought it, and neither does the Evil Finance Bank. Sue the car company for the amount of the debt, plus court costs, and whatever else your happy ass wants to sue for. Evil Finance Bank does not CARE that Evil Car Dealer sold you a lemon. That's not their problem. Their problem is you. Fix it.
If you sign for something (car, house, whatever) as a business owner so that someone else can use it and you can get the tax write-off, even though it's being strictly used for business purposes, not only is it technically fraud, but if they're missing payments---guess what---you are now responsible for the debt. That's what happens when you sign for financing. You are LIABLE. Also, when the matter of the debt comes in question, DO NOT say that you just bought the property in your business name for the tax write off because not only have you FAILED to prove yourself unliable, you have also just admitted to a pretty big bad illegal activity right there.
Lastly, when negotiating with a creditor, do not threaten to kill them...that will come back and haunt you, too.
Also, if someone has stolen your credit card, and you're afraid you're going to be sued for that money (or if you ARE sued for that money) you do need a police report. If you are AFRAID to file a police report, it's probably going to be assumed that it's because you're up to no good. Yes, it's a hassle and the paperwork is a pain in the butt, but it works. Don't be so damn lazy.
If you're having trouble making payments on things, call your banks. Tell them. Ask for forebearance. Ask them to lower the interest rate. Ask for a payment plan. You can even ask to settle it in full for a smaller amount, although most people wouldn't know it. When my kidneys failed, you bet your sweet ass I was on that phone asking for forebearance. And you know what? I had no problems. In fact, I'm doing pretty well with my own personal obligations, merely because I bothered to let some people know that I was laid off and sick.
Let's recap: read things before you sign them, don't sign anything you're not prepared to pay for, and be friendly with your customer service representative. Don't be a jackass, I guess is the moral of this little tirade.
Tomorrow's real-life lesson: how to accidentally piss off your boss.
Today I'm going to bitch about credit, because bitching is what I do. Let's consider this a little lesson in Credit Management from Someone Who Knows, Although She Is Not Allowed to Really Say Why or How She Knows Due to Potential Liability Factors. I am going to attempt to raise our Credit IQ here.
If you sign a lease, as the main party or as the co-signer, you are RESPONSIBLE FOR THE DEBT. I don't care if the car blows up ten minutes after you bought it, and neither does the Evil Finance Bank. Sue the car company for the amount of the debt, plus court costs, and whatever else your happy ass wants to sue for. Evil Finance Bank does not CARE that Evil Car Dealer sold you a lemon. That's not their problem. Their problem is you. Fix it.
If you sign for something (car, house, whatever) as a business owner so that someone else can use it and you can get the tax write-off, even though it's being strictly used for business purposes, not only is it technically fraud, but if they're missing payments---guess what---you are now responsible for the debt. That's what happens when you sign for financing. You are LIABLE. Also, when the matter of the debt comes in question, DO NOT say that you just bought the property in your business name for the tax write off because not only have you FAILED to prove yourself unliable, you have also just admitted to a pretty big bad illegal activity right there.
Lastly, when negotiating with a creditor, do not threaten to kill them...that will come back and haunt you, too.
Also, if someone has stolen your credit card, and you're afraid you're going to be sued for that money (or if you ARE sued for that money) you do need a police report. If you are AFRAID to file a police report, it's probably going to be assumed that it's because you're up to no good. Yes, it's a hassle and the paperwork is a pain in the butt, but it works. Don't be so damn lazy.
If you're having trouble making payments on things, call your banks. Tell them. Ask for forebearance. Ask them to lower the interest rate. Ask for a payment plan. You can even ask to settle it in full for a smaller amount, although most people wouldn't know it. When my kidneys failed, you bet your sweet ass I was on that phone asking for forebearance. And you know what? I had no problems. In fact, I'm doing pretty well with my own personal obligations, merely because I bothered to let some people know that I was laid off and sick.
Let's recap: read things before you sign them, don't sign anything you're not prepared to pay for, and be friendly with your customer service representative. Don't be a jackass, I guess is the moral of this little tirade.
Tomorrow's real-life lesson: how to accidentally piss off your boss.
posted at 4:49 PM
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