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Old 02-24-2013, 05:34 AM
 
163 posts, read 382,897 times
Reputation: 191

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Long story short I have about 4 cards I no longer care
to pay.

Should I let them charge off.

The threat of being sued does not scare or phase me.

I have better things to do with my money than pay cards
I do not want.

How many months from last pay does it take to charge off.
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Old 02-24-2013, 07:51 AM
 
Location: Pennsylvania
5,726 posts, read 10,548,465 times
Reputation: 9767
I'll let somebody else be the one to tell you it's OK to steal.
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Old 02-24-2013, 07:56 AM
 
163 posts, read 382,897 times
Reputation: 191
Quote:
Originally Posted by maf763 View Post
I'll let somebody else be the one to tell you it's OK to steal.
I don't condone stealing pal. I also don't condone
the usery of credit cards, easily the most annoying
debt, how some people have ten or more of those
things amazes me.
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Old 02-24-2013, 08:12 AM
 
361 posts, read 884,428 times
Reputation: 461
If you quit paying, they will bombard you with calls and flood your mail box. they will find and call your place of employment and harass you. Most CC companies will not just charge it off, they will sell it to a debt collection agency who will then bombard you again with mail and phone calls. After you drag it on for years you can attempt debt settlement and pay pennies on the dollar to pay off your debt, but at the end of the year you get a surprise when you have to claim that unpaid debt as income on your taxes. Your best bet is to file bankruptcy and learn your lesson.
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Old 02-24-2013, 11:44 AM
 
Location: Pennsylvania
5,726 posts, read 10,548,465 times
Reputation: 9767
Quote:
Originally Posted by Ninetails View Post
I don't condone stealing pal. I also don't condone
the usery of credit cards, easily the most annoying
debt, how some people have ten or more of those
things amazes me.
You condone both, otherwise you wouldn't have rung up items on multiple cards that you don't intend to pay for. Call a spade a spade.
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Old 02-24-2013, 11:52 AM
 
8,612 posts, read 5,553,053 times
Reputation: 16951
Quote:
Originally Posted by Ninetails View Post
I don't condone stealing pal. I also don't condone
the usery of credit cards, easily the most annoying
debt, how some people have ten or more of those
things amazes me.
You do realize that people like you who default on cards make the interest rates higher for everyone? So, thank all those defaulters who came before you for your high interest rates.
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Old 02-24-2013, 12:01 PM
 
Location: Fairfield, CT
6,327 posts, read 9,283,200 times
Reputation: 7302
Quote:
Originally Posted by maf763 View Post
You condone both, otherwise you wouldn't have rung up items on multiple cards that you don't intend to pay for. Call a spade a spade.
Bingo.
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Old 02-24-2013, 12:30 PM
 
163 posts, read 382,897 times
Reputation: 191
Close thread. This is flamebait for those who believe in
paying back every cent they spend vs those who take
a laid back approach to spending.
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Old 02-24-2013, 12:50 PM
 
28,461 posts, read 76,034,829 times
Reputation: 18533
Default Get real!

Quote:
Originally Posted by Ninetails View Post
Close thread. This is flamebait for those who believe in
paying back every cent they spend vs those who take
a laid back approach to spending.
WHAT?

I mean you gotta get real here -- what ever you bought with the credit cards is issue.

If you bought more than you could afford to pay for with incurring interest and used the option to finance then the agreement you entered into obligates to pay for fees & interest.

If you have no ability to pay file for bankruptcy.

If you do have ability to pay and simly choose not to you are a whole lot of things well beyond what any same person would call "laid back"...
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Old 02-24-2013, 01:44 PM
 
Location: Long Neck,De
4,792 posts, read 7,250,448 times
Reputation: 4797
Quote:
Originally Posted by Ninetails View Post
Close thread. This is flamebait for those who believe in
paying back every cent they spend vs those who take
a laid back approach to spending.
a laid back approach to spending I guess we know how you feel about this. Don't we??
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