>11,000$ in debt
>they call me threatening shit almost daily
>300$ in bank
>400$ under my mattress
>rent house dont own car
Can they actually do anything?
Originally it was 15k and I started paying it off, but for the last 3 or 4 months Ive just ignored it
I feel like a dumbass for paying of any of it tbqh
What they'll eventually do is sue you and start garnishing your wages, e.g. when you get paid (if you have a job) they'll take that shit straight out of your check.
If you don't have a job they'll just throw you in jail, eventually.
They're not going to drop this. Thats kind of the point of a collection agency.
Depending on the state, certain threats can't be legally enforced. If they do threaten you like this, you have a case. People have done this shit a lot in the recession, making a living off baiting CAs
If I go to jail does the debt just get erased?
Seems like a stupid system, going to jail isnt gunna get me money lol
The quality of life in most low security prisons is probably better than mine anyways
I would tell you to file for backruptcy, but considernig that you have no assets whatsoever, that's a huge hit on you that can't really be justified by 11k. I would say to move to a state where than can't garnish your wages or throw you in prison.
>If I go to jail does the debt just get erased?
kek, no, you'll be in and out of jail for the rest of your life until you pay it, unless you file for backruptcy (assuming that your state allows you to be thrown in prison).
>$40k in subsidized and unsubsidized student loans
>will have to start paying it back six months after I graduate
>dirt fucking poor
What have I gotten myself into? I can't believe I fell for the college meme. What will the government do if I don't pony up?
student debt is the only form of debt that can't really be erased with backruptcy. You can't get rid of it.
The best that you can do is to contact your lender and explain your position. Have them revert to the lowest paying option per month. Unless you have extra money, of course. You should be trying your very best to eliminate that debt as soon as possible.
>apply for every garbage rip off line of credit possible
>buy a bunch of normie shit with it like iphones
>sell them at a slight loss to move them quickly
>stash the cash
>go to jail
>get free food and housing
>literally a great library and internet acces as long as its not nigger murder jail
>can take college classes for free and free technical and trade training programs
>job placement program where the government literally pays companies to hire you
Ive honestly been thinking of just breaking into a jewelry store or something, if I get caught or not its literally a win win
>kek, no, you'll be in and out of jail for the rest of your life until you pay it
That makes zero sense. They want your money, and they're going to do something that will ensure they never will? Fucking hell that's retarded. It's literally punishing you for the sake of punishment and then having the audacity and sadism to throw you back in when they >lel you still have no money! Welp, guess we'll just shove you away again! How the fuck do they even expect to get any money from you then?
I think I'll just kill myself, since I haven't told you the best part yet:
it's for a liberal arts school
I'm failing most of my classes
Have fun garnishing the paycheck of a dead man, faggots.
Dude I literally got them to give me free money and they cant make me pay them back becuse I dont have that much money lol!
At the end of the day Im the winner in this, they lost money, they got outmaneuvered by me
>can take college classes for free and free technical and trade training programs
I spend 1000$ on an intro to welding class at my CC last year, and niggers get this shit free?
you can get financial hardship deferments for 2 years ion your government loans think.
>tfw on the income based repayment plan
>barely make anything
>pay $0 a month
fuck da police etc.
You are legitimately retarded if you think that prison is a cake-walk like that. At least if you're in the US.
Yeah, it makes zero sense. That's why some states have been trying to curtail it. If you own child support, the same happens. Except you have no chance of reducing the payments using backruptcy.
Less drastic measures, like getting a second job could work. You'd be able to pay off that debt in a year even if you worked full time. If you do an hero though, make sure to do it in the lobby of your lender. Try to splatter your brains over everyone. Sorry, that was dark.
I've been considering something similar since I'm in a similar boat as you. What's funny in my case is that my parents refused to help pay for anything for college, and if I really do off myself with my ~$20,000 debt they're the ones that would end up having to pay it off.
better get a job quick, collegecuck.
the moment i lost my $3k scholarship, I stopped taking classes. down to one class a semester. once I start making $13/hr or more, I'm quitting college entirely and getting a studio apartment.
>tfw ~$600 rent
>tfw $50/mo good Internet (15mbps down, 5 mbps up)
>tfw no car fuck the extra expenses
>tfw two bikes with three u-locks
>incase one bike gets stolen/jacked for parts, I have a second in the appt
>tfw bike to work
>tfw work is ten minutes by bike, two minutes by car
>literally LITERALLY living the dream.
yeah, I will never outright own any land at $13/hr. I will never own any house. I will be a rentcuck. But hey, you never truly own your land. GOVT can rip anything away at their whim.
fuck college unless you are getting paid to do it/you're super desperate (e.g. you knock up a bitch and have five kids or some shit)
it's their problem
ignore the calls. they'll keep going for years, but they can't do anything.
You can probably make a deal for ridiculously low (albeit eternal) monthly payments, ie sub $100.
Careful not to let them over inflate it with the interest.
You don't want to end up with $100k debt in a decade, when you get your shit together and need a car or something.
you're implying that niggers
>a) can read
>b) WILL read
>c) can focus for half a minute to do a welding course
hahahaahaha all that goes through their minds, if anything at all, is "where da white wimminz at gotta kill steal and rape"
Who /NothingToLose/ here?
Im thinking of doing the same OP.
Just getting a bunch of credit cards and NEETing it up for afew years then killing myself to the juden cant milk me for money
Flip the script on them
Arlington Texas. lots of niggers around here though. that's why I own two bikes instead of one, no puns or memes intended. never know when one of these fucks are going to yank your shit away. shouldn't have said STUDIO apartment because that implies a decent apartment, but it's an apartment nonetheless fully furnished bar bedding.
with the 18k, I spend it on new video games, food, and emergency funds. I'm working on building a new PC as well, have everything except the graphics card (debating on waiting for the next generation of GFX card or shelling out for the gtx 980ti). luckily for me, there's a microcenter in richardson, only about 30 minutes drive.
you can literally just ignore them, the worst that can happen is your credit score is ruined. 11k isnt shit, the bank probably sold it to the collection agency for a couple hundred bucks and you are just one of their millions of other charged off debts.
Your life sounds /comfy/. I'm making $15/hr, but I'm only a student. So hopefully when I graduate I'll have a /comfy/ life like yours. I plan on spending it on drugs, booze, hookers, and vidya. I'm even going to move to Las Vegas, assuming that I can find a job there.
grocery chain. easiest shit ever man. worst thing is either niggers or soccer moms (you know, the "can i speak to a manager" cunts). easy enough work that you don't really have to think about it, long enough so that you feel "fulfilled" (unless your dream is to own a house!), make enough money to live rather than /survive/, etc.
if you play your cards right, you could actually own a house on that wage. would take a long ass time (probably fifteen years or so depending on where you want to live), but it's DOABLE.
this is just fairy tale shit, but imagine if you got a life partner of some kind whether it's a bro, a family member, an honest girl (lmfao what a pipe dream)...you could split rent without the landlord faggot knowing, combine expenses (be careful, IRS will come for you), and buy a house even sooner. long work, but again it's doable.
college is good for three things:
1) giving hopeless people hope
2) getting otherwise cool people into heaps of debt
3) getting people really good paying jobs
I can honestly say that I have never dealt with real hardship. At one point, i flunked my biology course and thought I was a fucking retard. seriously considered suicide. then I learned that college isn't the end all be all. high paying job isn't the end all be all. /living/ is certainly possible, just have to cut certain things out of the dream.
i won't be fucking 10/10s working as a grocery store associate at $13/hr. i can't afford the latest clothing or whatever. but i don't need that. i can fuck 6-7/10s or wank. i can buy comfy clothing. i can buy vidya for my consoles or torrent for my pc, go to bars, other shit like that.
I guess that if you don't want to have a family or travel a lot in retirement, then that's a good setup that you've got.
I'm going to graduate this semester and go to grad school, and they start at 20k a year for stipends. That's a step up for me, and I'm hoping that my grad school life will be /comfy/.
I'm sure that you would like stuff like a car, a house of your own. Do you think that you will move up anytime soon? Or are you stuck as a wageslave? Although your job doesn't sound too bad.
i'm pretty stupid so realistically i don't know if moving up anytime soon is a choice for me. if i'm stuck at the store for another ten years, i'll kill myself after donating my belongings. then again, THAT might be a stupid decision - I've met people who worked at the store for 15 years and own homes and shit.
idk man. i'm just enjoying the small stuff for now.
i have a network of coworkers who will literally drive me anywhere (that's the benefit of working at one place for a longtime). i pay them to take me to and from places. it's a really neat setup. no drugs or illegal shit, just places in dallas and shit
They can and WILL take your property, however if you don't own anything, the answer is obvious. BUT there is huge BUT. If you ever want another loan your credit score will be minus gazilion down. And if you ever land a good paying job most of your income will be taken away from you, you will never be able to pay for new car or whatever else that you might use via bank or credit card. And if you ever acquire some property they will take it away.
And meanwhile, while none of that is happening, they will try to sue you and will basically bring you bad mental health and stress on a daily basis.
Better find a way to pay them ASAP and then dont do that ever again.
same to you, same to you all really. even if you're dead set on suicide or whatever, try to find at least one thing to enjoy. not to dissuade you from a worse fate or anything, but just enjoy it.
Don't listen to these people OPie, they cannot take your monies and cannot even garnish your wages unless you make more than a certain amount per month. Also, if you get a car under a certain blue book value they cannot seize that either.
You're quite safe until you start making money, in which case they still cannot take more than something like 15% of your gross wages.
Man I'm in the same boat but zero bucks in the bank. Mines a mix of student loans and medical bills. I just don't answer the phone haven't paid shit in a year. Fuck those bill collectors they can suck on my lone festival!